Total CFPB complaints
4
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 4 complaints
CMCS, Inc. DBA Central Mercantile Collection Services — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CMCS, Inc. DBA Central Mercantile Collection Services
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
- Communication tactics
Communication tactics
1 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
- False statements or representation
False statements or representation
1 complaints
C
Grade C · 63.1/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about CMCS, Inc. DBA Central Mercantile Collection Services?
CMCS, Inc. DBA Central Mercantile Collection Services has accumulated 4 total CFPB complaints across 3 states, with 1 filed in the most recent 12 months against 3 historical complaints before that window. The trailing-12-month volume represents 25.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 75% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 3 states, led by Michigan with 2 and Massachusetts with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.1/100 places CMCS, Inc. DBA Central Mercantile Collection Services in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
25.0% of total history
Stable →
States active
3
Distinct state filings
Timely response rate
75%
Within CFPB SLA window
Reputation grade
C
63.1/100 composite
Response-quality profile
How CMCS, Inc. DBA Central Mercantile Collection Services performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 75.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does CMCS, Inc. DBA Central Mercantile Collection Services compare to its peers?
CMCS, Inc. DBA Central… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2019-10 2025-04
Top Consumer Issues
Attempts to collect debt not owed1 (%)
Communication tactics1 (%)
Took or threatened to take negative or legal action1 (%)
False statements or representation1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against CMCS, Inc. DBA Central Mercantile Collection Services come from?
The states where consumers have filed the most CFPB complaints against CMCS, Inc. DBA Central Mercantile Collection Services. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CMCS, Inc. DBA Central Mercantile Collection Services
Across 3 states with at least one filing
- Michigan
Michigan
2 complaints
- Massachusetts
Massachusetts
1 complaints
- Georgia
Georgia
1 complaints
Frequently Asked Questions
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 4 complaints filed with the CFPB.
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.
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: 63.1/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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.
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 3 states, with the most complaints from Michigan (2 complaints).
What can I do if CMCS, Inc. DBA Central Mercantile Collection Services is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If CMCS, Inc. DBA Central Mercantile Collection Services violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |