Auto lender · complaint record
Merficap complaints
Filed under MERFICAP, LLC
Consumers have filed 2 complaints about Merficap since 2021, none in the last 12 months. It answered 50% on time and closed 0% with relief for the customer. The most common problem is unable to get your credit report or credit score.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 2
- Last 12 months
- 0
- Answered on time
- 50%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since April 2021
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Mar 14, 2023
Merficap complaints by month
The busiest month was April 2021 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Merficap answered all time
- Closed with explanation2100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Merficap complaints are about
Top Merficap problems
Inside "Unable to get your credit report or credit score"
- Other problem getting your report or credit score 1
Merficap compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | MerficapAuto loans & leases | - | 0 | - |
Compare side by side: Merficap vs The Savings Group · Merficap vs AC AutoPay LLC, Denver, CO Branch · Merficap vs CARS Acquisition · Merficap vs EA Holdings
What people say about Merficap
All experiencesNo experiences with Merficap yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Merficap complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Mar 14, 2023 | Credit reporting | Unable to get your credit report or credit scoreOther problem getting your report or credit score | Explained |
| Apr 13, 2021 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | Explained |
Questions about Merficap
How many complaints does Merficap have?
Merficap has 2 complaints on record since April 2021, including 0 in the last 12 months and 0 in the last 30 days.
Does Merficap respond to complaints?
Yes. Merficap answered 50% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Merficap?
The most common problems are unable to get your credit report or credit score (1), struggling to pay your loan (1).
Is Merficap legit?
Merficap is a real company with a public complaint record: consumers have complained about it 2 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Merficap legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Merficap?
Complain to Merficap 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 Merficap complaints come from?
Most come from 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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