Debt collector · complaint record
Merchants Credit complaints
Filed under Merchants Credit LLC
Consumers have filed 12 complaints about Merchants Credit since 2017, 1 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 12
- Last 12 months
- 1
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #1,510 of 1,963
Since December 2017
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Sep 3, 2026
Most complained-about debt collectors
Merchants Credit complaints by month
The busiest month was February 2024 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Merchants Credit answered all time
- Closed with explanation12100%
"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 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 | - | 1 | - |
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 |
|---|---|---|---|
| Sep 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 6, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 2, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 9, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Apr 6, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 18, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 25, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 7, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 21, 2023 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Nov 15, 2019 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 11, 2018 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Dec 21, 2017 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about Merchants Credit
How many complaints does Merchants Credit have?
Merchants Credit has 12 complaints on record since December 2017, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 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 attempts to collect debt not owed (4), false statements or representation (3), written notification about debt (2).
Is Merchants Credit legit?
Merchants Credit is a real company with a public complaint record: consumers have complained about it 12 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.
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 Illinois (8), California (2), Florida (2). 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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