Debt collection
Retail Merchants Associates debt collection complaints
Consumers have filed 160 complaints about Retail Merchants Associates's debt collection, 40 in the last 12 months. Retail Merchants Associates answered 100% on time and closed 0% with relief. See the whole Retail Merchants Associates record.
Retail Merchants Associates 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 | Retail Merchants Associates | 40 | 100% | 0% |
Latest Retail Merchants Associates debt collection complaints
| 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 16, 2026 | Debt collection | Communication tacticsCalled before 8am or after 9pm | 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 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 11, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 31, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 31, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| May 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 4, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 21, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 4, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 26, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 12, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | 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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