Debt collection
Merchants' Credit Guide debt collection complaints
Consumers have filed 624 complaints about Merchants' Credit Guide's debt collection, 25 in the last 12 months (-7%). Merchants' Credit Guide answered 100% on time and closed 44% with relief. See the whole Merchants' Credit Guide record.
Merchants' Credit Guide 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' Credit Guide | 25 | 100% | 44% |
Latest Merchants' Credit Guide debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 28, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Oct 12, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| Sep 15, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Aug 8, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Aug 7, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Aug 3, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jul 22, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| May 26, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Fixed |
| May 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| May 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Mar 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 6, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Jan 21, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Fixed |
| Jan 20, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 13, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 15, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 11, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 21, 2025 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Nov 10, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 9, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 29, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Sep 23, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 21, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify 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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