Debt collector · complaint record
Merchants Credit complaints
Filed under Merchants Credit Corporation
Consumers have filed 156 complaints about Merchants Credit since 2013, 3 of them in the last 12 months (-75% on the year before). It answered 100% on time and closed 0% with relief for the customer. The most common problem is written notification about debt.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 156
- Last 12 months
- 3
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #1,125 of 1,963
Since October 2013
-75% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 8, 2026
Most complained-about debt collectors
Merchants Credit complaints by month
The busiest month was July 2014 (5 complaints). Complaints in the last 12 months are down 75% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Merchants Credit answered all time
- Closed with non-monetary relief31.9%
- Closed with explanation15398.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Merchants Credit complaints are about
Top Merchants Credit problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 16
- Debt was paid 11
- Debt was result of identity theft 2
- Debt was already discharged in bankruptcy and is no longer owed 1
Where Merchants Credit complaints come from
Most complaints: Washington (112), California (10), Oregon (8), Florida (4), Illinois (4).
Merchants Credit compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Merchants CreditDebt collection | - | 3 | - |
Compare side by side: Merchants Credit vs Green Square · Merchants Credit vs EMoneyUSA · Merchants Credit vs Mullooly Jeffrey Rooney & Flynn · Merchants Credit vs Credit World Services
What people say about Merchants Credit
All experiencesNo experiences with Merchants Credit yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Merchants Credit complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 8, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 2, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Apr 7, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 12, 2025 | Debt collection | Communication tacticsCalled before 8am or after 9pm | Explained |
| Nov 9, 2025 | Credit reporting | Credit monitoring or identity theft protection servicesBilling dispute for services | Explained |
| Jul 9, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 1, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| May 1, 2025 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Apr 21, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 14, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 21, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 9, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
Questions about Merchants Credit
How many complaints does Merchants Credit have?
Merchants Credit has 156 complaints on record since October 2013, including 3 in the last 12 months and 1 in the last 30 days. That makes it number 2,246 of every company by complaints this year.
Does Merchants Credit respond to complaints?
Yes. Merchants Credit answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Merchants Credit?
The most common problems are written notification about debt (16), communication tactics (16), attempts to collect debt not owed (30).
Is Merchants Credit legit?
Merchants Credit is a real company with a public complaint record: consumers have complained about it 156 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Merchants Credit legit? for the signals, red flags and how to protect yourself.
Are complaints about Merchants Credit going up or down?
Down. There were 3 complaints in the last 12 months against 12 in the 12 before (-75%). See every month.
How do I file a complaint against Merchants Credit?
Complain to Merchants 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 Credit complaints come from?
Most come from Washington (112), California (10), Oregon (8). 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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