Retail Merchants Associates -- Consumer Complaint Report & Risk Analysis
Debt Collection Missteps and False Claims
Complaint Summary
Retail Merchants Associates has received 26 consumer complaints filed with the CFPB across 3 products. The most common issues reported are attempts to collect debt not owed, false statements or representation, improper use of your report. Complaints span 5 states, with Louisiana and Texas leading in complaint volume.
Company Overview
Company: Retail Merchants Associates
Total CFPB Complaints: 26
AI Risk Score: 63/100
Most Recent Complaint: 2023-05-22T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: high
- Consumer Harm Severity: medium
AI Company Analysis
Retail Merchants Associates has 26 consumer complaints on file with the CFPB. Attempts to collect debt not owed False statements or representation
Response Quality Assessment
fair
Top Consumer Issues
Attempts to collect debt not owed -- Severity: medium
Red Flags
- False statements or representation
Green Flags
- Proper notification and validation procedures
Consumer Tips & Advice
Consumers should verify the debt before making payments.
Complaint Trend Analysis
There is a trend of increasing complaints about debt collection practices, indicating a need for better regulation and consumer education.
Regulatory History
Regulatory bodies have issued multiple guidelines to address false claims and improper debt collection practices.
Industry Context
The retail sector is facing challenges with debt collection and credit reporting services, impacting consumer trust and satisfaction.
Frequently Asked Questions About Retail Merchants Associates
How many CFPB complaints does Retail Merchants Associates have?
Retail Merchants Associates has 26 complaints on file with the CFPB. The most recent complaint was filed on May 22, 2023.
What is Retail Merchants Associates's complaint response rate?
Response rate data is not yet available for Retail Merchants Associates.
Does Retail Merchants Associates respond to complaints on time?
Timely response data is not yet available for Retail Merchants Associates.
Is Retail Merchants Associates safe to do business with?
Debt Collection Missteps and False Claims Retail Merchants Associates has 26 CFPB complaints. Risk score: 63/100.
What red flags exist for Retail Merchants Associates?
Potential red flags for Retail Merchants Associates: False statements or representation. These are based on analysis of CFPB complaint patterns.
What are Retail Merchants Associates's strengths?
Positive indicators for Retail Merchants Associates: Proper notification and validation procedures.
What tips should consumers know about Retail Merchants Associates?
Consumers should verify the debt before making payments.
Are complaints against Retail Merchants Associates increasing or decreasing?
There is a trend of increasing complaints about debt collection practices, indicating a need for better regulation and consumer education. Retail Merchants Associates currently has 26 total complaints.
Has Retail Merchants Associates faced regulatory action?
Regulatory bodies have issued multiple guidelines to address false claims and improper debt collection practices.
How does Retail Merchants Associates compare to industry peers?
The retail sector is facing challenges with debt collection and credit reporting services, impacting consumer trust and satisfaction.
What is the most common issue reported by consumers regarding debt collection?
The most common issue is attempts to collect debt not owed, followed closely by false statements or representation.
Recent Complaints Against Retail Merchants Associates
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #21464796 | Debt collection | Attempts to collect debt not owed | 2026-04-21T12:00:00-05:00 | Louisiana | |
| #20221830 | Debt collection | Attempts to collect debt not owed | 2026-03-12T12:00:00-05:00 | Louisiana | |
| #17875330 | Debt collection | False statements or representation | 2025-11-19T12:00:00-05:00 | Louisiana | |
| #9140868 | Debt collection | Attempts to collect debt not owed | 2024-05-30T12:00:00-05:00 | Louisiana | |
| #9140145 | Debt collection | Attempts to collect debt not owed | 2024-05-30T12:00:00-05:00 | Louisiana | |
| #7170575 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2023-06-26T12:00:00-05:00 | Florida | |
| #7012642 | Debt collection | False statements or representation | 2023-05-22T12:00:00-05:00 | Louisiana | |
| #6736950 | Debt collection | False statements or representation | 2023-03-22T12:00:00-05:00 | Louisiana | |
| #6512344 | Debt collection | Attempts to collect debt not owed | 2023-01-31T12:00:00-05:00 | Louisiana | |
| #6487717 | Debt collection | False statements or representation | 2023-01-25T12:00:00-05:00 | Louisiana | |
| #6453748 | Debt collection | Attempts to collect debt not owed | 2023-01-18T12:00:00-05:00 | Texas | |
| #6393562 | Credit reporting, credit repair services, or other personal consumer reports | Improper use of your report | 2023-01-03T12:00:00-05:00 | Louisiana | |
| #6359500 | Debt collection | Attempts to collect debt not owed | 2022-12-24T12:00:00-05:00 | Louisiana | |
| #6268009 | Debt collection | False statements or representation | 2022-12-01T12:00:00-05:00 | Louisiana | |
| #5997648 | Credit card or prepaid card | Advertising and marketing, including promotional offers | 2022-09-19T12:00:00-05:00 | Montana | |
| #5746747 | Debt collection | Attempts to collect debt not owed | 2022-07-07T12:00:00-05:00 | Louisiana | |
| #5746737 | Debt collection | Attempts to collect debt not owed | 2022-07-07T12:00:00-05:00 | Louisiana | |
| #5737693 | Debt collection | Written notification about debt | 2022-07-05T12:00:00-05:00 | Louisiana | |
| #5550688 | Debt collection | Attempts to collect debt not owed | 2022-05-06T12:00:00-05:00 | Delaware | |
| #5353229 | Credit reporting, credit repair services, or other personal consumer reports | Incorrect information on your report | 2022-03-22T12:00:00-05:00 | Louisiana |
Retail Merchants Associates Complaints by State
- Retail Merchants Associates Complaints in Louisiana -- 19 complaints
- Retail Merchants Associates Complaints in Texas -- 3 complaints
- Retail Merchants Associates Complaints in Florida -- 2 complaints
- Retail Merchants Associates Complaints in Montana -- 1 complaints
- Retail Merchants Associates Complaints in Delaware -- 1 complaints
Retail Merchants Associates Complaints by Product
- Retail Merchants Associates Debt collection Complaints -- 20 complaints | All Debt collection Complaints
- Retail Merchants Associates Credit reporting, credit repair services, or other personal consumer reports Complaints -- 4 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
- Retail Merchants Associates Credit card or prepaid card Complaints -- 2 complaints | All Credit card or prepaid card Complaints
Retail Merchants Associates Complaints by Issue
- Retail Merchants Associates -- Attempts to collect debt not owed -- 13 complaints | All Attempts to collect debt not owed Complaints
- Retail Merchants Associates -- False statements or representation -- 6 complaints | All False statements or representation Complaints
- Retail Merchants Associates -- Improper use of your report -- 2 complaints | All Improper use of your report Complaints
- Retail Merchants Associates -- Advertising and marketing, including promotional offers -- 1 complaints | All Advertising and marketing, including promotional offers Complaints
- Retail Merchants Associates -- Written notification about debt -- 1 complaints | All Written notification about debt Complaints
- Retail Merchants Associates -- Incorrect information on your report -- 1 complaints | All Incorrect information on your report Complaints
- Retail Merchants Associates -- Problem with a purchase shown on your statement -- 1 complaints | All Problem with a purchase shown on your statement Complaints
- Retail Merchants Associates -- Problem with a credit reporting company's investigation into an existing problem -- 1 complaints | All Problem with a credit reporting company's investigation into an existing problem Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Retail Merchants Associates is generated by ReadTheComplaint using AI analysis of data from the CFPB.