CFPB Consumer Complaint Profile
Merchants Credit LLC
Behind the CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 11
- Total complaints
- Below average
- 1
- Last 12 months
- 90.9%
- Timely response
- Bottom quartile
- 3
- States affected
The verdict
By CFPB complaint volume, Merchants Credit LLC is #3589 out of 3,843 financial companies. For answering complaints on time it stands at the 19th percentile in the 100+ complaint peer group.
- Debt collection
- most-complained product
- IL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Merchants Credit LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
90.9% Among the lowest higher than 19% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2017 | 1 |
| 2018 | 1 |
| 2019 | 1 |
| 2023 | 1 |
| 2024 | 6 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Merchants Credit LLC
In the CFPB record, Merchants Credit LLC has a geographically concentrated complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "False statements or representation," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Merchants Credit LLC have?
Merchants Credit LLC has 11 total consumer complaints filed with the CFPB, with 1 filed in the last 12 months.
Does Merchants Credit LLC respond to complaints on time?
Merchants Credit LLC has a 90.9% timely response rate to CFPB complaints.
What product generates the most complaints for Merchants Credit LLC?
The most complained-about product for Merchants Credit LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Merchants Credit LLC?
"False statements or representation" is the single most frequently cited issue in complaints against Merchants Credit LLC - see all issues and counts above.
How do I file a complaint against Merchants Credit LLC?
You can file a complaint against Merchants Credit LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Merchants Credit LLC?
Merchants Credit LLC has drawn CFPB complaints from 3 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.