Debt collector · complaint record
Merchants Acceptance complaints
Filed under Merchants Acceptance Corp
Consumers have filed 143 complaints about Merchants Acceptance since 2015, 41 of them in the last 12 months (+46% on the year before). It answered 100% on time and closed 15% with relief for the customer - less often than a typical debt collector. The most common problem is incorrect information on your report.
Average response record. How it works
- Complaints on record
- 143
- Last 12 months
- 41
- Answered on time
- 100%
- Closed with relief
- 15%
- Last 30 days
- 1
- Rank
- #352 of 1,963
Since June 2015
+46% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 27, 2026
Most complained-about debt collectors
Merchants Acceptance complaints by month
The busiest month was April 2026 (8 complaints). Complaints in the last 12 months are up 46% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Merchants Acceptance answered last 12 months
- Closed with non-monetary relief614.6%
- Closed with explanation3585.4%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers12/4014.6% closed with relief
- Complaint trend5/15+46% vs last year
What Merchants Acceptance complaints are about
Top Merchants Acceptance problems
Inside "Incorrect information on your report"
- Account information incorrect 15
- Information belongs to someone else 10
- Account status incorrect 5
- Personal information incorrect 1
- Old information reappears or never goes away 1
Where Merchants Acceptance complaints come from
Most complaints: California (25), Florida (17), Washington (16), North Carolina (14), Texas (10).
Merchants Acceptance compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | CornerstoneDebt collection | 54 | 41 | C |
| 2 | Axela TechnologiesDebt collection | 25 | 41 | F |
| 3 | D2 ManagementDebt collection | 49 | 41 | D |
| 4 | Receivables ManagementDebt collection | 8 | 41 | F |
| 5 | Kansas CounselorsDebt collection | 100 | 41 | A |
| 6 | Credit ServiceDebt collection | 47 | 41 | D |
| 7 | Midwest Receivable SolutionsDebt collection | 53 | 41 | C |
| 8 | Merchants AcceptanceDebt collection | 62 | 41 | C |
Compare side by side: Merchants Acceptance vs Cornerstone · Merchants Acceptance vs Axela Technologies · Merchants Acceptance vs D2 Management · Merchants Acceptance vs Receivables Management
What people say about Merchants Acceptance
All experiencesNo experiences with Merchants Acceptance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Merchants Acceptance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 27, 2026 | Payday & personal loans | Problem when making payments | Explained |
| Oct 8, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Fixed |
| Sep 26, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| Sep 14, 2026 | Debt collection | Electronic communicationsContacted before 8am or after 9pm | Fixed |
| Sep 7, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 26, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 25, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 29, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jun 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 19, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
Questions about Merchants Acceptance
How many complaints does Merchants Acceptance have?
Merchants Acceptance has 143 complaints on record since June 2015, including 41 in the last 12 months and 1 in the last 30 days. That makes it number 748 of every company by complaints this year.
Does Merchants Acceptance respond to complaints?
Yes. Merchants Acceptance answered 100% of its complaints on time (within 15 days) and closed 15% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 62/100 (grade C).
What do people complain about most with Merchants Acceptance?
The most common problems are incorrect information on your report (32), took or threatened to take negative or legal action (19), attempts to collect debt not owed (23).
Is Merchants Acceptance legit?
Merchants Acceptance is a real company with a public complaint record: consumers have complained about it 143 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Merchants Acceptance legit? for the signals, red flags and how to protect yourself.
Are complaints about Merchants Acceptance going up or down?
Up. There were 41 complaints in the last 12 months against 28 in the 12 before (+46%). See every month.
How do I file a complaint against Merchants Acceptance?
Complain to Merchants Acceptance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Merchants Acceptance complaints come from?
Most come from California (25), Florida (17), Washington (16). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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