What is the most common complaint against CMCS, Inc. DBA Central Mercantile Collection Services?

The most common issue consumers report about CMCS, Inc. DBA Central Mercantile Collection Services is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 5 complaints filed with the CFPB.

What is CMCS, Inc. DBA Central Mercantile Collection Services's reputation grade?

CMCS, Inc. DBA Central Mercantile Collection Services has a reputation grade of C (score: 58.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does CMCS, Inc. DBA Central Mercantile Collection Services respond to consumer complaints?

CMCS, Inc. DBA Central Mercantile Collection Services has a 75% timely response rate to CFPB complaints.

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CMCS, Inc. DBA Central Mercantile Collection Services - Debt Collector Complaint Profile

Q: Are complaints against CMCS, Inc. DBA Central Mercantile Collection Services increasing or decreasing?

Complaints against CMCS, Inc. DBA Central Mercantile Collection Services have been stable. The company received 1 complaints in the last 12 months.

Q: In how many states does CMCS, Inc. DBA Central Mercantile Collection Services operate?

CMCS, Inc. DBA Central Mercantile Collection Services has received CFPB complaints from consumers in 4 states, with the most complaints from Michigan (2 complaints).

CFPB complaint profile across 4 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

2
Took or threatened to take negative or legal action

1
False statements or representation

1
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record cmcs-inc-dba-central-mercantile-collection-services CMCS, Inc. DBA Central Mercantile Collection Services

Grade C · 5 CFPB filings · 75% timely · lead issue: Attempts to collect debt not owed · vol #3102 · compose #2633

VOL 5
GRADE C
12MO 1
STATES 4
TIMELY 75%
ISSUE Attempts to collect debt n…
RANK #3,102
COMPOSE #2,633

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

CMCS, Inc. DBA Central Mercantile Collection Services's 5 CFPB complaints sit next to Aaron Worldwide Collections Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

40.0% of CMCS, Inc. DBA Central Mercantile Collection Services's CFPB filings land in Michigan

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Michigan 40.0%; 2 of 5 filings · 4 states touched
Spike month: 2023-01 38.5%; 5 filings that month · spiky (≥15% of series)
Corpus ranks: #3,102 volume; #2,633 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does CMCS, Inc. DBA Central Mercantile Collection Services compare to its peers?

How does CMCS, Inc. DBA Central Mercantile Collection Services compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

CMCS, Inc. DBA Central… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

75%

40%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-05 2025-04

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	2
Took or threatened to take negative or legal action	1
False statements or representation	1
Communication tactics	1

Where do complaints against CMCS, Inc. DBA Central Mercantile Collection Services come from?

CMCS, Inc. DBA Central Mercantile Collection Services's own per-state count, not a national baseline.

Michigan

2
Georgia

1
Massachusetts

1
Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CMCS, Inc. DBA Central Mercantile Collection Services: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 5.

4 peers

Know your rights before responding to CMCS, Inc. DBA Central Mercantile Collection Services: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.