CFPB Consumer Complaint Profile
Merchants Financial Guardian, Inc.
Behind the 10 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
- 10
- Total complaints
- Below average
- 0
- Last 12 months
- 80%
- Timely response
- Bottom decile
- 2
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Merchants Financial Guardian, Inc. sits at #3715, with 10 complaints logged. It posts a 80% on-time response rate, the 9th percentile among companies with 100+ complaints.
- #3715
- of 3,843 companies by volume
- 80%
- on time (9th pctile)
- Debt collection
- most-complained product
- 2
- states with complaints
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 Financial Guardian, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
80% Among the lowest higher than 9% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2017 | 2 |
| 2018 | 2 |
| 2019 | 1 |
| 2020 | 1 |
| 2021 | 2 |
| 2022 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Merchants Financial Guardian, Inc.
The CFPB Consumer Complaint Database has logged 10 complaints against Merchants Financial Guardian, Inc. overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 2 states and territories, making this a geographically concentrated complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Merchants Financial Guardian, Inc. draw a 80% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Among resolved complaints, the consumer-relief closure rate is 40%.
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.
Frequently Asked Questions
How many CFPB complaints does Merchants Financial Guardian, Inc. have?
The CFPB has logged 10 complaints against Merchants Financial Guardian, Inc. to date, of which 0 came in over the last 12 months.
Does Merchants Financial Guardian, Inc. respond to complaints on time?
Merchants Financial Guardian, Inc. has a 80% timely response rate to CFPB complaints.
What product generates the most complaints for Merchants Financial Guardian, Inc.?
The most complained-about product for Merchants Financial Guardian, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Merchants Financial Guardian, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Merchants Financial Guardian, Inc.; the full issue list with counts is above.
How do I file a complaint against Merchants Financial Guardian, Inc.?
You can file a complaint against Merchants Financial Guardian, Inc. 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 Financial Guardian, Inc.?
Merchants Financial Guardian, Inc. has drawn CFPB complaints from 2 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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Merchants Financial Guardian, Inc. have?
The CFPB has logged 10 complaints against Merchants Financial Guardian, Inc. to date, of which 0 came in over the last 12 months.
Does Merchants Financial Guardian, Inc. respond to complaints on time?
Merchants Financial Guardian, Inc. has a 80% timely response rate to CFPB complaints.
What product generates the most complaints for Merchants Financial Guardian, Inc.?
The most complained-about product for Merchants Financial Guardian, Inc. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Merchants Financial Guardian, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Merchants Financial Guardian, Inc.; the full issue list with counts is above.
How do I file a complaint against Merchants Financial Guardian, Inc.?
You can file a complaint against Merchants Financial Guardian, Inc. 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 Financial Guardian, Inc.?
Merchants Financial Guardian, Inc. has drawn CFPB complaints from 2 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.