Debt collection
Merchants Credit debt collection complaints
Consumers have filed 141 complaints about Merchants Credit's debt collection, 3 in the last 12 months. Merchants Credit answered 100% on time and closed 0% with relief. See the whole Merchants Credit record.
Merchants Credit 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 | 3 | 100% | 0% |
Latest Merchants Credit debt collection complaints
| 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 |
| 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 |
| Dec 22, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 12, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Dec 12, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 13, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 3, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 5, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 27, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 30, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 10, 2024 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Aug 25, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Aug 8, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Aug 7, 2023 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 21, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 17, 2023 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 5, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 14, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 2, 2023 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Apr 16, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 20, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 17, 2023 | 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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