Debt collector · complaint record
Merchants and Medical Credit complaints
Filed under Merchants and Medical Credit Corporation, Inc.
Consumers have filed 618 complaints about Merchants and Medical Credit since 2013, 104 of them in the last 12 months (+13% on the year before). It answered 98.1% on time and closed 28% with relief for the customer - about the same as a typical debt collector. The most common problem is attempts to collect debt not owed.
Good response record. How it works
- Complaints on record
- 618
- Last 12 months
- 104
- Answered on time
- 98.1%
- Closed with relief
- 28%
- Last 30 days
- 7
- Rank
- #196 of 1,963
Since March 2013
+13% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 10, 2026
Most complained-about debt collectors
Merchants and Medical Credit complaints by month
The busiest month was January 2025 (13 complaints). Complaints in the last 12 months are up 13% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Merchants and Medical Credit answered last 12 months
- Closed with non-monetary relief2927.9%
- Closed with explanation7471.2%
- In progress11%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time36/4598.1% on time
- Relief for customers24/4028.2% closed with relief
- Complaint trend9/15+13% vs last year
What Merchants and Medical Credit complaints are about
Top Merchants and Medical Credit problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 132
- Debt was result of identity theft 52
- Debt was paid 24
- Debt was already discharged in bankruptcy and is no longer owed 6
Where Merchants and Medical Credit complaints come from
Most complaints: Michigan (407), Illinois (29), Georgia (26), Ohio (16), Indiana (15).
Merchants and Medical Credit compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Ray KleinDebt collection | 6 | 107 | F |
| 2 | Business Processing SolutionsDebt collection | 35 | 106 | D |
| 3 | Blitt and Gaines, P.CDebt collection | 52 | 106 | C |
| 4 | A & O Recovery SolutionsDebt collection | 0 | 105 | F |
| 5 | Merchants and Medical CreditDebt collection | 69 | 104 | B |
| 6 | Omega RMSDebt collection | 47 | 103 | D |
| 7 | Adler Wallach & AssociatesDebt collection | 50 | 102 | C |
| 8 | Alliance OneDebt collection | 96 | 102 | A |
Compare side by side: Merchants and Medical Credit vs Ray Klein · Merchants and Medical Credit vs Business Processing Solutions · Merchants and Medical Credit vs Blitt and Gaines, P.C · Merchants and Medical Credit vs A & O Recovery Solutions
What people say about Merchants and Medical Credit
All experiencesNo experiences with Merchants and Medical Credit yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Merchants and Medical Credit complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 4, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 23, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 22, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Oct 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Sep 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Sep 12, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
Questions about Merchants and Medical Credit
How many complaints does Merchants and Medical Credit have?
Merchants and Medical Credit has 618 complaints on record since March 2013, including 104 in the last 12 months and 7 in the last 30 days. That makes it number 466 of every company by complaints this year.
Does Merchants and Medical Credit respond to complaints?
Yes. Merchants and Medical Credit answered 98.1% of its complaints on time (within 15 days) and closed 28% 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 69/100 (grade B).
What do people complain about most with Merchants and Medical Credit?
The most common problems are attempts to collect debt not owed (214), false statements or representation (68), took or threatened to take negative or legal action (44).
Is Merchants and Medical Credit legit?
Merchants and Medical Credit is a real company with a public complaint record: consumers have complained about it 618 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Merchants and Medical Credit legit? for the signals, red flags and how to protect yourself.
Are complaints about Merchants and Medical Credit going up or down?
Up. There were 104 complaints in the last 12 months against 92 in the 12 before (+13%). See every month.
How do I file a complaint against Merchants and Medical Credit?
Complain to Merchants and Medical Credit 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 and Medical Credit complaints come from?
Most come from Michigan (407), Illinois (29), Georgia (26). 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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