Debt collector · complaint record
Retail Merchants Associates complaints
Consumers have filed 210 complaints about Retail Merchants Associates since 2013, 50 of them in the last 12 months (+85% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Weak response record. How it works
- Complaints on record
- 210
- Last 12 months
- 50
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 4
- Rank
- #319 of 1,963
Since July 2013
+85% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 12, 2026
Most complained-about debt collectors
Retail Merchants Associates complaints by month
The busiest month was December 2022 (12 complaints). Complaints in the last 12 months are up 85% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Retail Merchants Associates answered last 12 months
- Closed with explanation50100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend1/15+85% vs last year
What Retail Merchants Associates complaints are about
Top Retail Merchants Associates problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 37
- Debt was paid 11
- Debt was result of identity theft 9
Where Retail Merchants Associates complaints come from
Most complaints: Louisiana (163), Texas (33), Georgia (3), Delaware (2), Florida (2).
Retail Merchants Associates compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | N.A.RDebt collection | 11 | 51 | F |
| 2 | Receivable Management GroupDebt collection | 44 | 51 | D |
| 3 | Phillips & Cohen AssociatesDebt collection | 60 | 51 | C |
| 4 | Velo Law OfficeDebt collection | 37 | 50 | D |
| 5 | Time InvestmentDebt collection | 45 | 50 | D |
| 6 | Torres Credit ServicesDebt collection | 60 | 50 | C |
| 7 | Retail Merchants AssociatesDebt collection | 46 | 50 | D |
| 8 | National Recovery SolutionsDebt collection | 47 | 49 | D |
Compare side by side: Retail Merchants Associates vs N.A.R · Retail Merchants Associates vs Receivable Management Group · Retail Merchants Associates vs Phillips & Cohen Associates · Retail Merchants Associates vs Velo Law Office
What people say about Retail Merchants Associates
All experiencesNo experiences with Retail Merchants Associates yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Retail Merchants Associates complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 21, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 23, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 20, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 16, 2026 | Debt collection | Communication tacticsCalled before 8am or after 9pm | Explained |
| Sep 7, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Aug 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 18, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
Questions about Retail Merchants Associates
How many complaints does Retail Merchants Associates have?
Retail Merchants Associates has 210 complaints on record since July 2013, including 50 in the last 12 months and 4 in the last 30 days. That makes it number 673 of every company by complaints this year.
Does Retail Merchants Associates respond to complaints?
Yes. Retail Merchants Associates 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. Its Response Score is 46/100 (grade D).
What do people complain about most with Retail Merchants Associates?
The most common problems are attempts to collect debt not owed (57), took or threatened to take negative or legal action (28), written notification about debt (23).
Is Retail Merchants Associates legit?
Retail Merchants Associates is a real company with a public complaint record: consumers have complained about it 210 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Retail Merchants Associates legit? for the signals, red flags and how to protect yourself.
Are complaints about Retail Merchants Associates going up or down?
Up. There were 50 complaints in the last 12 months against 27 in the 12 before (+85%). See every month.
How do I file a complaint against Retail Merchants Associates?
Complain to Retail Merchants Associates 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 Retail Merchants Associates complaints come from?
Most come from Louisiana (163), Texas (33), Georgia (3). 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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