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Data / Consumer complaints / Retail Merchants Associates

Retail Merchants Associates: 83 CFPB consumer complaints in the last 3 years

Retail Merchants Associates drew 83 consumer complaints in the CFPB database in the three years to November 6, 2026, and 207 since 2013. The largest group, 63, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 28. The company responded on time to 98.8% of the complaints, and 0.0% 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.

Watch this company's complaintsGet every debt collection companyGet debt collection in Louisiana
  • 83Complaints, last 3 years
  • 207Complaints, all years
  • 98.8%Responded on time
  • 0.0%Closed with relief
  • 2Products
  • Oct 21, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 645
202528
202410
202332
202226
20218
202018
20199
20189
20178
20165
20154
20144
20131

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.

ProductComplaintsShare
Debt collection6375.9%
Credit reporting or other personal consumer reports2024.1%

Issues

IssueComplaintsShare
Attempts to collect debt not owed2833.7%
Written notification about debt1315.7%
Took or threatened to take negative or legal action1113.3%
Incorrect information on your report89.6%
False statements or representation78.4%
Problem with a company's investigation into an existing problem78.4%
Improper use of your report44.8%
Communication tactics33.6%
Credit monitoring or identity theft protection services11.2%
Threatened to contact someone or share information improperly11.2%

How the company responded

Company responseComplaintsShare
Closed with explanation83100%

States

StateComplaintsShare
Louisiana6375.9%
Texas1720.5%
Arkansas11.2%
Georgia11.2%
Washington11.2%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
October 21, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 23, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 20, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 16, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 27, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 18, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 12, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 12, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 11, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 3, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
August 1, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
July 31, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 31, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 27, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 13, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
July 12, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
June 18, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 27, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 4, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
April 30, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 4, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 26, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 12, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 9, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
March 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 24, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 17, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
February 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 6, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
December 29, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 19, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
November 6, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 31, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 30, 2025Debt collectionWritten notification about debtClosed 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.