Funder Files · Public Record

Dealing with CFG Merchant Solutions: lawsuits, collections, and resolution

CFG Merchant Solutions appears in a steady stream of published New York decisions enforcing its receivables purchase agreements, and on the other side of the ledger, in BBB complaints about its collection conduct. Both halves of that record are useful to a merchant deciding how to respond.

Entities: CFG Merchant Solutions, LLC (CFGMS)Base: New York, New York

MCA Settlement Reviews is not affiliated with CFG Merchant Solutions. This page summarizes public records and attributed reporting for business owners managing CFG Merchant Solutions obligations; it is information, not legal advice.

What the public record shows

01Published New York decisions document CFG's enforcement pattern: CFG v. Valentis Security Services (2022), CFG v. Complete Automotive Repair Service (2024, a $22,350 receivables agreement with a personal guarantee), and CFG v. Essential Foundations Preschool (2025, alleging stopped payments and blocked ACH withdrawals with a $35,366 balance).
02The cases show the standard claim structure: breach of the receivables agreement, the guarantor named personally, and, in at least one case, a breached settlement agreement pleaded on top of the original default, a reminder that resolutions must be kept, not just signed.
03BBB complaints against CFG allege harassment-style collection contact including outreach to personal employers and customers, threatening demands, and disputed account debits; complaints also indicate some merchants signed Confessions of Judgment.
04CFG maintains an active BBB profile; its complaint record is public and worth reading in full before negotiating.

The merchant playbook

✓CFG pleads breached settlements when merchants sign deals they cannot keep. Whatever you negotiate, size it to what the business can actually pay, a broken settlement is worse than none.
✓If collection contact reaches your customers or personal contacts, document everything: dates, callers, statements. New York's FAIR Business Practices Act now extends abusive-practice protections to small businesses, and documented conduct is leverage.
✓Check your funding package for a COJ before anything else; complaints indicate some CFG merchants signed them, and that document dictates your risk clock.
✓The published cases are ordinary contract litigation, which means ordinary defenses and ordinary settlements apply: answer on time, raise real defenses, negotiate from the defended position.

The general playbooks apply here too: served with a lawsuit, Confessions of Judgment, frozen accounts, and how settlement works.

CFG Merchant Solutions: common questions

CFG is calling my customers. Can they do that?

Funders claiming receivables ownership use UCC 9-406 notices to redirect customer payments, but harassment-style contact is a different matter, and BBB complaints against CFG allege exactly that. Document every contact and get representation involved; conduct-based leverage is real, especially under New York's newer statutes.

I signed a settlement with CFG and fell behind on it. How bad is that?

Bad but recoverable: CFG has pleaded breached settlements in court, so expect the next agreement to be harder-won. Come back with representation, a realistic number, and documentation of what changed; funders still prefer a performing deal to a judgment they must enforce.

Does CFG Merchant Solutions use Confessions of Judgment?

BBB complaint records indicate some merchants signed COJs with CFG. Whether your file contains one is a document question that determines how fast a default can become a judgment, find your full signed package and have it read before any missed payment.

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