Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/03/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They have been hunting me and my family for the vacuum payment for over 10 years now! There was not aggreement to buy the vaccuum by me this is my ex spouse who I responsible for the vacuum! They have filed numerous court cases against us and still trying to get this money they believe we owe them.

  Business Response

  Date: 04/05/2025

  Merchants Acceptance Corp. (MAC) has investigated this consumer complaint and has determined that the debt it legally owed and is well within the statue of limitations for debt collections.  No calls have been made recently to the consumer, the only attempt to contact is the letter provided by consumer that was sent on 3/28/2025.  MAC obtained a judgment against the consumer on  6/9/2016 in **** County District Court, case# ***-11279.  Attached is a copy of the judgment.  The judgment is valid for 10 years and can be extended for an additional 10 years if there is still a balance owing.  No contacts or attempt to collect this debt are in violation of any debt collection laws or regulations, the debt is valid and owed by the consumer.   

• Initial Complaint

  Date:02/06/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed a contract to purchase a ************** on 01/18/2024 at around 8:00pm. This was financed by Merchants Acceptance. I received a letter in the mail dated 01/18/2024 with my payment amount, number of months and that 1st payment of $112.37 was due on 02/25/2024. I was told that there was a promotion of 0% interest for the first year then interest would accrue after the first year if not paid off. I received no notice that the promotion period was ending. I sent emails or messages through the website but got no responses. I called Merchants Acceptance on 02/06/2025 which was well before the first year ended (02/25/2025) asking to get a payoff balance. I was told that $490.83 in interest had been added to my account because it was past the promotion period. I have paid every payment on time and even a few dollars more than the required payment. I should have until 02/24/2025 to pay it off without the interest. I was told there is nothing that can be done and that my payoff is $2,219.64. Merchants Acceptance should honor the 12 month promotion. I ask that Merchants Acceptance reverse the interest charge of $490.83.

  Business Response

  Date: 02/07/2025

  Merchants Acceptance Corp. (MAC) has reviewed this consumer complaint and has determined there is no justification for a billing adjustment on this account.  The consumer entered into a retail installment contract for the purchase of a Patriot Home Cleaning System on 1/11/2024.  That contract contained a 12 months Same As Cash(***) promotion.  I have attached a copy of the entire contract along with a separate attachment pointing out the 12 months *** promo and the terms of the *** promotion.  All Same As Cash promotions begin from the date of the contract, this was verbally communicated and confirmed with the consumer on our verification call that took place at the time of the sale on 1/11/2025 and is also found under the terms and conditions of the written contract.  I have reviewed that recording and confirmed the consumer was advised that the Same As Cash promotion starts from the day of the contract.  The customer had until 1/11/2025 to pay the amount financed $3,108.81 to avoid paying any finance charges.  The consumer did not pay the amount financed by 1/11/2025 and MAC is under no obligation to waive the remaining interest charges.  

  Customer Answer

  Date: 02/07/2025

   
  Complaint: 22910420
  
  I am rejecting this response because: This is a shady business company. I am being charged almost half $490.83 of the total interest $936.51. This contract is for 36 months. I am only asking for the company to reverse the interest charge of $490.83. If you will not do the full amount will you do at least half $245.42?
  
  Sincerely,
  
  ******** ******

  Business Response

  Date: 02/19/2025

  Merchants Acceptance Corp. (MAC) has reviewed and investigated the consumer complaint.  We have determined that the finance charge earned and collected to date is correct per the terms of the agreement.  As outlined in the contract submitted by the consumer under the section labelled PREPAYMENT 'The unearned Finance Charge is calculated using the Actuarial Method'.  The finance charge rebated on this account under the Actuarial Method resulted in $445.68 in finance charge being waived due the early customer payoff.  

  Customer Answer

  Date: 02/19/2025

   
  Complaint: 22910420
  
  I am rejecting this response because:
  The company did nothing to credit back any interest paid to date. I paid the loan off because the imposed interest rate was insanely high for the small original loan amount. The company should have waived the interest charged in January 2025 since extra amounts were paid each month on the loan. Truly sad that this company is so stringent!!!
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:01/06/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When I got the surveillance system it was not explained to me that you had 3 days to cancel it if you do not want it anymore. Whomever I was speaking with told m that it was not his problem that, it was explained in the contract and that I had to keep up with the payments regardless if I did not want it any more. No one ever said explained that to me. They also hound you about a missed payment years ago. Keeps trying to get me to give them a debit card number over the phone. They also said that I had missed a payment again and it comes directly out of my account and I have proof to show it. This makes year 4 and I regret I ever purchased this security system with them. Their website also does not show you your contract only have the option to make a payment.

  Business Response

  Date: 01/07/2025

  Merchants Acceptance Corp.(MAC) has investigated this consumer complaint.  *** has determined that the customer was properly notified of their cancellation rights in writing per the terms of the contract attached.  At no point within the cancellation period did the customer express a written intention to cancel the purchase.  Furthermore, the customer has made 35 payments on the account thus acknowledging and accepting the debt.  The customers account is setup on automatic payments, however there were 3 payments that were returned *** back in 2022 that were never made up so the customers account would fall behind each month.  *** has move the past due payments to the end of the loan as a courtesy to the customer.    

• Initial Complaint

  Date:12/26/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Please people dont buy a ***** from any salesman that comes to your door. They need to stop selling these dinosaur of vacuums. Its sad that they dont want it back and dont give any option to. Im dealing with a garnishment from almost 4 years ago and I signed the agreement 9 years ago. They are scammers and this is so sad. The vacuum cleaner isnt worth what they charge us for. I should have listened to my husband that day and left it alone. Now Im stuck with something I I dont want. I know Im not gone get through to them and resolve anything Ive read to many complaints. Just wanted to vent.

  Business Response

  Date: 12/30/2024

  Merchants Acceptance Corp. has investigated the consumer complaint and has determined that the debit is valid and there is no corrective action to be taken.  The consumer made the purchase, did not cancel the purchase per the terms of the contract and defaulted on the loan.  The debit is valid and owing.  

• Initial Complaint

  Date:11/14/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date of **ntract 10/24/2024.. a Thursday after business hrs, around 8pm. ***** solicited my business by offering a free cleaning demo from their shampooing . I agreed and they came back late Thursday. I became interested in the shampoo attachment vs. the kurby vacuum primarily because I just got my ***** serviced, a $200 job. They wouldnt sell the shampoo attachment separately, so the sales men ran some numbers and reluctantly I agreed. They set the system up and moved it upstairs. The next day I got a chance to really go over the numbers and realized those figures where not any good for me. They inflated the price on the ad card which they put on the table, a $2300 price tags. No one would. So on with demo and small talk revolving around the shampooing which I liked but **uldnt purchase separately. The salesmen made several calls to someone and told them I was interested but not at the $2300 mark up. $1500 is what they said which is starting price in my opinion, really, and still rather expensive giving todays market **mparison. $65 month 3 yrs $700 interest. Or, $200 month for 6-7 month to avoid interest all together. Once I had my head cleared I wanted nothing to do with those numbers. I immediately initiated a return process or so I thought. I hadnt looked at the small print on the other side of **ntract which states 24hrs on one hand, than, 3 business days on the other to return *****. I called finance ** who said they would call ***** in ******** Ca to let them know I wanted to return thier vacuum. The finance **mpany didnt say anything about the procedure for return on the back of their **ntract. Instead the finance **mpany tried to slam me into the deal as well but agreed they would call and see what ***** ** in Stockton Ca would say,and that they would call back before end of the day. That was Friday. Meanwhile I got somewhat finilar with the back of **ntract, so I signed and dated it reflecting my intentions . After which I reach out and got nothing

  Business Response

  Date: 11/15/2024

  This account was cancelled on 11/11/2024, at this time a request was also submitted to Experian, Equifax and ********* to delete the account from credit reporting.  

• Initial Complaint

  Date:10/04/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We purchased a ***** vacuum cleaner which failed to work within a few days. It was repaired and had the same failure two more times for the same issue.We asked to have the vacuum taken back or replaced. We received no response. I was then called to active duty. During this time they filed a collection with the court. As I was out of the country I did not know.

  Business Response

  Date: 10/07/2024

  Merchants Acceptance Corp. has a contract for financing with the consumer.  The contract for financing was for the purchase of a Kirby Vacuum the consumer made.  The contract for financing does not have any warranty or guarantee as to the performance of the product.  Any warranties are provided by the seller of the goods, the Kirby Co..  Please contact their warranty department at 800-737-7070.  

• Initial Complaint

  Date:09/16/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing this complaint against [Merchant Acceptance C] for reporting inaccurate or derogatory information on my credit report, which is a violation of my rights under the Fair Credit Reporting Act (FCRA). According to 15 *** 1611, it is unlawful to knowingly and willfully furnish false information regarding a consumer's credit report . The derogatory account on my credit report is inaccurate and does not reflect my current credit situation .Moreover , under Section 617 of the ****, consumers have the right to dispute inaccurate information and expect timely removal or correction of this information by the reporting agency. Despite my previous attempts to dispute this account directly with the creditor and the credit bureaus, the derogatory information remains on my report, causing significant damage to my creditworthiness .

  Business Response

  Date: 09/17/2024

  Merchants Acceptance Corp. has investigated this consumer complaint and has confirmed that the account is reporting correctly to the credit reporting agencies, there is no justification to any corrections to credit reporting.  The consumer took out a loan with Merchants Acceptance Corp. for the purchase of a ***** Vacuum on 3/15/2018.  The consumer defaulted on the loan and it was charged off and placed with our network of attorneys for collections on 2/7/2019.  A balance remains on the account and is owed by consumer.      

• Initial Complaint

  Date:09/14/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We received your complaint. Thank you.We will review your complaint. Depending on what we find, we will typically:Send your complaint to the company for a response; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office; or Let you know if we need more information to continue our work.YOUR COMPLAINT I do not have a contract with MERCHANTS ACCEPTANCE #C80096XXXX and do not owe this debt collector the stated {$4,534} as alleged. Unless they can provide me with a WET INK SIGNED contract between myself (***** ******) and MERCHANTS ACCEPTANCE I demand this false reporting stop and the account be removed immediately . The original creditor, has charged off this This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to *** regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. I kindly request assistance in reviewing the charged off amount associated with the original creditor and also request that an inquiry be made to the third-party debt collector, MERCHANTS ACCEPTANCE for actual verification and validation affirming that they have a contract with me bearing my signature. MERCHANTS ACCEPTANCE in accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the rights to privacy. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file immediately. This is a formal notice to cease and desist reporting or attempting to collect this alleged debt. I was a victim of the ************ breach also.

  Business Response

  Date: 09/14/2024

  Merchants Acceptance Corp.(MAC) has investigated this consumer complaint and has determined there is no basis for any corrections to be made to credit reporting for this consumer account.  The consumer took out a loan for the purchase of a ***** Home Cleaning System with MAC on 12/10/2019, see attached pdf file of the original contract.  After the consumer defaulted on the loan it was charged off and pursued for legal action against the consumer.  A judgment was awarded to MAC by the Superior Court of California County of Siskiyou on 10/18/2022, see attached copy of signed judgment.  MAC is actively collecting on this valid consumer debt and it was not written off to income and thus is valid to be reported to the credit reporting agencies.  

• Initial Complaint

  Date:08/04/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Merchants Acceptance Cor, I do not have a contract with Merchants Acceptance Cor, they did not provide me with the original contract as requested.

  Business Response

  Date: 08/04/2024

  Merchants Acceptance Corp. has investigated this consumer complaint and has determined there is no justification for revisions to credit reporting.  The consumer does have a valid debt with per judgment issues by Las Vegas Justice Court on 2/20/2021.  See attached copy of the original contract as well as judgment issued in favor of Merchants Acceptance Corp. in connection with this debt/account.  

• Initial Complaint

  Date:07/28/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a email from my employer stating that this company (Merchants Acceptance) has provided court documents to garnish my wages due to a debt. A a copy of the court documents was provided to me by my employer. I do not owe this debt. I was informed of this debt by my employer. Please help me to figure out why Im being targeted by this company. Thank you

  Business Response

  Date: 07/29/2024

  Merchants Acceptance Corp. was awarded a judgment against the consumer for a defaulted contract for financing of a ***** Home Cleaning System.  See attached copy of the judgment awarded by the court.  No payments have been made towards this judgment and it is outstanding and owed by the consumer.  

  Customer Answer

  Date: 07/29/2024

   
  Complaint: 22056526
  
  I am rejecting this response because: I was not made aware of any judgement being made against me and I have never purchased any ***** cleaning products or supplies in my life. I will be looking into this matter as this is not my debt and I believe this to be fraud. No need to respond. You will be hearing from my lawyer. 

  
  Sincerely,
  
  *******************

  Business Response

  Date: 07/29/2024

  A complete and thorough investigation has been made into the consumer complaint and the documentation and evidence all support that the consumer initiated the purchase and contract for financing and was properly/legally served with the summons and complaint that Merchants Acceptance Corp. pursued after defaulting on the loan.  

  Customer Answer

  Date: 07/29/2024

   
  Complaint: 22056526
  
  I am rejecting this response because: I have not been provided with any documents regarding a loan that you mentioned was for an item. Please provide me with copies such as a receipt, contract, copy of my ID that was used etc. 
  
  Sincerely,
  
  *******************

  Business Response

  Date: 07/31/2024

  Please see the attached original contract for the purchase and financing of a ***** Home Cleaning System along with proof of service that all court documents were properly served to you.  

  Customer Answer

  Date: 07/31/2024

   
  Complaint: 22056526
  
  I am rejecting this response because:this is clearly fraud because this does not provide significant evidence that I purchased a ***** product. This shows someone did but that someone was not me. Im sure they would have required ** (Identification) from this person, correct?  So Im going to ask again for a copy of the ** that was used during this signing agreement. 
  
  Sincerely,
  
  *******************