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Data / Consumer complaints / Merchants Acceptance Corp

Merchants Acceptance Corp: 82 CFPB consumer complaints in the last 3 years

Merchants Acceptance Corp drew 82 consumer complaints in the CFPB database in the three years to November 6, 2026, and 143 since 2015. The largest group, 40, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 21. The company responded on time to 100.0% of the complaints, and 7.3% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 82Complaints, last 3 years
  • 143Complaints, all years
  • 100.0%Responded on time
  • 7.3%Closed with relief
  • 4Products
  • Oct 27, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 635
202534
202413
20238
20228
202110
20208
20198
20184
20178
20165
20152

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Issues

IssueComplaintsShare
Incorrect information on your report2125.6%
Took or threatened to take negative or legal action1315.9%
Improper use of your report1214.6%
Attempts to collect debt not owed911%
Problem with a company's investigation into an existing problem911%
False statements or representation56.1%
Written notification about debt33.7%
Electronic communications22.4%
Problem when making payments22.4%
Charged fees or interest you didn't expect11.2%
Communication tactics11.2%
Credit monitoring or identity theft protection services11.2%
Fees or interest11.2%
Getting a line of credit11.2%
Getting the loan11.2%

How the company responded

Company responseComplaintsShare
Closed with explanation7692.7%
Closed with non-monetary relief67.3%

States

StateComplaintsShare
California1315.9%
Florida1113.4%
Texas911%
North Carolina89.8%
Virginia67.3%
Georgia56.1%
Washington56.1%
Idaho44.9%
Indiana33.7%
South Carolina33.7%
West Virginia33.7%
Arizona22.4%
Illinois22.4%
Nevada22.4%
Utah22.4%
Kentucky11.2%
Louisiana11.2%
Missouri11.2%
New Mexico11.2%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 27, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionWritten notification about debtClosed with non-monetary reliefconsumerfinance.gov
September 26, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with non-monetary reliefconsumerfinance.gov
September 14, 2026Debt collectionElectronic communicationsClosed with non-monetary reliefconsumerfinance.gov
September 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 26, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 25, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 1, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 29, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
June 15, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 27, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 19, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
May 7, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
April 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 26, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
April 21, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 16, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 14, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
April 9, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
March 16, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 13, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
March 8, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
February 19, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 18, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
February 18, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
February 10, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 6, 2026Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
January 29, 2026Credit cardFees or interestClosed with explanationconsumerfinance.gov
January 19, 2026Debt collectionFalse statements or representationClosed with non-monetary reliefconsumerfinance.gov
January 18, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
January 16, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
January 16, 2026Payday loan, title loan, personal loan, or advance loanGetting a line of creditClosed with explanationconsumerfinance.gov
January 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 22, 2025Debt collectionTook or threatened to take negative or legal actionClosed with non-monetary reliefconsumerfinance.gov
December 4, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
December 4, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 29, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
November 18, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 18, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
November 12, 2025Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 10, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 2, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 11, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 2, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 1, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 7, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 31, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 29, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.