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.
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- 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.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 35 |
| 2025 | 34 |
| 2024 | 13 |
| 2023 | 8 |
| 2022 | 8 |
| 2021 | 10 |
| 2020 | 8 |
| 2019 | 8 |
| 2018 | 4 |
| 2017 | 8 |
| 2016 | 5 |
| 2015 | 2 |
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.
| Product | Complaints | Share |
|---|---|---|
| Credit reporting or other personal consumer reports | 40 | 48.8% |
| Debt collection | 33 | 40.2% |
| Payday loan, title loan, personal loan, or advance loan | 8 | 9.8% |
| Credit card | 1 | 1.2% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 21 | 25.6% |
| Took or threatened to take negative or legal action | 13 | 15.9% |
| Improper use of your report | 12 | 14.6% |
| Attempts to collect debt not owed | 9 | 11% |
| Problem with a company's investigation into an existing problem | 9 | 11% |
| False statements or representation | 5 | 6.1% |
| Written notification about debt | 3 | 3.7% |
| Electronic communications | 2 | 2.4% |
| Problem when making payments | 2 | 2.4% |
| Charged fees or interest you didn't expect | 1 | 1.2% |
| Communication tactics | 1 | 1.2% |
| Credit monitoring or identity theft protection services | 1 | 1.2% |
| Fees or interest | 1 | 1.2% |
| Getting a line of credit | 1 | 1.2% |
| Getting the loan | 1 | 1.2% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 76 | 92.7% |
| Closed with non-monetary relief | 6 | 7.3% |
States
| State | Complaints | Share |
|---|---|---|
| California | 13 | 15.9% |
| Florida | 11 | 13.4% |
| Texas | 9 | 11% |
| North Carolina | 8 | 9.8% |
| Virginia | 6 | 7.3% |
| Georgia | 5 | 6.1% |
| Washington | 5 | 6.1% |
| Idaho | 4 | 4.9% |
| Indiana | 3 | 3.7% |
| South Carolina | 3 | 3.7% |
| West Virginia | 3 | 3.7% |
| Arizona | 2 | 2.4% |
| Illinois | 2 | 2.4% |
| Nevada | 2 | 2.4% |
| Utah | 2 | 2.4% |
| Kentucky | 1 | 1.2% |
| Louisiana | 1 | 1.2% |
| Missouri | 1 | 1.2% |
| New Mexico | 1 | 1.2% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 27, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 8, 2026 | Debt collection | Written notification about debt | Closed with non-monetary relief | consumerfinance.gov |
| September 26, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with non-monetary relief | consumerfinance.gov |
| September 14, 2026 | Debt collection | Electronic communications | Closed with non-monetary relief | consumerfinance.gov |
| September 7, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 26, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 25, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 1, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| June 29, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| June 15, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 27, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 19, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with non-monetary relief | consumerfinance.gov |
| May 7, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| April 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| April 26, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 26, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 26, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| April 21, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| April 16, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| April 14, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| April 9, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| March 16, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| March 13, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| March 8, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| February 19, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| February 18, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| February 18, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| February 10, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| February 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| January 29, 2026 | Credit card | Fees or interest | Closed with explanation | consumerfinance.gov |
| January 19, 2026 | Debt collection | False statements or representation | Closed with non-monetary relief | consumerfinance.gov |
| January 18, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| January 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| January 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting a line of credit | Closed with explanation | consumerfinance.gov |
| January 7, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| December 22, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with non-monetary relief | consumerfinance.gov |
| December 4, 2025 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| December 4, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| November 29, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| November 18, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| November 18, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| November 12, 2025 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| November 10, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 2, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| September 11, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 2, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 1, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 7, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 31, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| July 29, 2025 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Debt collection complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Credit card complaints
- Consumer complaints in California
- Consumer complaints in Florida
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- All consumer complaints
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.