Debt collector · complaint record
Merchants Financial Guardian complaints
Filed under Merchants Financial Guardian, Inc.
Consumers have filed 10 complaints about Merchants Financial Guardian since 2017, none in the last 12 months. It answered 80% on time and closed 40% 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
- 10
- Last 12 months
- 0
- Answered on time
- 80%
- Closed with relief
- 40%
- Last 30 days
- 0
- Rank
- -
Since July 2017
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Sep 11, 2022
Merchants Financial Guardian complaints by month
The busiest month was July 2017 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Merchants Financial Guardian answered all time
- Closed with non-monetary relief440%
- Closed with explanation660%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
Top Merchants Financial Guardian problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 5
- Debt was result of identity theft 1
- Debt was paid 1
Merchants Financial Guardian 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 Financial GuardianDebt collection | - | 0 | - |
Compare side by side: Merchants Financial Guardian vs Green Square · Merchants Financial Guardian vs EMoneyUSA · Merchants Financial Guardian vs Mullooly Jeffrey Rooney & Flynn · Merchants Financial Guardian vs Credit World Services
What people say about Merchants Financial Guardian
All experiencesNo experiences with Merchants Financial Guardian yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Merchants Financial Guardian complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 11, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 11, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Oct 4, 2021 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 19, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 4, 2020 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 31, 2019 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 26, 2018 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 8, 2018 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Oct 21, 2017 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Jul 30, 2017 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
Questions about Merchants Financial Guardian
How many complaints does Merchants Financial Guardian have?
Merchants Financial Guardian has 10 complaints on record since July 2017, including 0 in the last 12 months and 0 in the last 30 days.
Does Merchants Financial Guardian respond to complaints?
Yes. Merchants Financial Guardian answered 80% of its complaints on time (within 15 days) and closed 40% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Merchants Financial Guardian?
The most common problems are attempts to collect debt not owed (7), took or threatened to take negative or legal action (2), written notification about debt (1).
Is Merchants Financial Guardian legit?
Merchants Financial Guardian is a real company with a public complaint record: consumers have complained about it 10 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Merchants Financial Guardian legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Merchants Financial Guardian?
Complain to Merchants Financial Guardian 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 Financial Guardian complaints come from?
Most come from California (8), Texas (1). 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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