Debt collection
Merchants Acceptance debt collection complaints
Consumers have filed 73 complaints about Merchants Acceptance's debt collection, 18 in the last 12 months. Merchants Acceptance answered 100% on time and closed 22% with relief. See the whole Merchants Acceptance record.
Merchants Acceptance against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Merchants Acceptance | 18 | 100% | 22% |
Latest Merchants Acceptance debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 8, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | 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 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 |
| Apr 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 21, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Apr 14, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Mar 16, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 10, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jan 19, 2026 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Fixed |
| Jan 18, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 22, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Dec 4, 2025 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Nov 10, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 11, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 2, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 1, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 31, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 29, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 26, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 23, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 23, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 11, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 24, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 1, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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