Merchants' Credit Guide Company Consumer Complaints
Merchants' Credit Guide Company has received 716 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 716 total complaints on file with the CFPB.
- Most complaints are about Debt collection (609).
- Timely response rate: 99.7%.
- Consumer disputed rate: 17.4% of resolved complaints.
Complaints by Product
The following table shows how complaints against Merchants' Credit Guide Company break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Debt collection | 609 | 85.1% |
| Credit reporting, credit repair services, or other personal consumer reports | 84 | 11.7% |
| Credit reporting or other personal consumer reports | 23 | 3.2% |
Most Common Issues
These are the specific issues consumers most frequently report about Merchants' Credit Guide Company.
Company Response Breakdown
When consumers file complaints, Merchants' Credit Guide Company responds in one of several ways. The breakdown below shows how Merchants' Credit Guide Company has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 530 | 74% |
| Closed with non-monetary relief | 186 | 26% |
Complaints by State
Top states where consumers have filed complaints against Merchants' Credit Guide Company.
| State | Complaints |
|---|---|
| Illinois | 456 |
| Texas | 75 |
| Ohio | 23 |
| Michigan | 18 |
| Florida | 17 |
| Indiana | 15 |
| California | 14 |
| Arizona | 11 |
| Kentucky | 11 |
| Georgia | 8 |
| North Carolina | 7 |
| New Jersey | 6 |
| Alabama | 5 |
| Tennessee | 5 |
| Washington | 4 |
| Arkansas | 3 |
| Colorado | 3 |
| Kansas | 3 |
| Missouri | 3 |
| Virginia | 3 |
Your Rights
What to do if you have a complaint against Merchants' Credit Guide Company
- Contact Merchants' Credit Guide Company directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
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How many complaints does Merchants' Credit Guide Company have?
Merchants' Credit Guide Company has 716 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about Merchants' Credit Guide Company?
The most common issue reported is Attempts to collect debt not owed with 253 complaints.
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How do I file a complaint against Merchants' Credit Guide Company?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Merchants' Credit Guide Company respond to complaints on time?
Merchants' Credit Guide Company has a 99.7% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.