What is the most common complaint against Grant Mercantile Agency?

The most common issue consumers report about Grant Mercantile Agency is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 299 complaints filed with the CFPB.

Are complaints against Grant Mercantile Agency increasing or decreasing?

Complaints against Grant Mercantile Agency are falling. The company received 41 complaints in the last 12 months, showing improvement over prior periods.

What is Grant Mercantile Agency's reputation grade?

Grant Mercantile Agency has a reputation grade of D (score: 55.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Grant Mercantile Agency respond to consumer complaints?

Grant Mercantile Agency has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.

In how many states does Grant Mercantile Agency operate?

Grant Mercantile Agency has received CFPB complaints from consumers in 23 states, with the most complaints from California (181 complaints).

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

Grant Mercantile Agency - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

128
Written notification about debt

58
False statements or representation

41
Cont'd attempts collect debt not owed

30
Took or threatened to take negative or legal action

21
Disclosure verification of debt

8

Data updated September 2026

CFPB complaint disposition

CCDB record grant-mercantile-agency Grant Mercantile Agency

Grade D · 299 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #397 · compose #3217

VOL 299
GRADE D
12MO 41
STATES 23
TIMELY 100%
DISPUTE 15%
ISSUE Attempts to collect debt n…
RANK #397
COMPOSE #3,217

Volume peers

Nearest volume peer: Oliphant Financial, LLC (299 complaints)

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

Grant Mercantile Agency's 299 CFPB complaints sit next to Oliphant Financial, LLC 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

60.5% of Grant Mercantile Agency's CFPB filings land in California

High volume does not equal a clean composite: Grant Mercantile Agency is volume #397 but composite #3,217, while California dominates the geography. Corpus placement method.

Dominant state: California 60.5%; 181 of 299 filings · 23 states touched
Seasonal peak: 2026-02 8.8%; 8–15% band · 7 filings
Divergent corpus ranks: #397 volume; #3,217 composite; Cleanest-composite ladder is 2,820 places worse than volume

How does Grant Mercantile Agency compare to its peers?

How does Grant Mercantile Agency compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Grant Mercantile Agenc… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

89%

91%

Consumer-dispute ratelower is better

15%

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-01 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	128
Written notification about debt	58
False statements or representation	41
Cont'd attempts collect debt not owed	30
Took or threatened to take negative or legal action	21
Disclosure verification of debt	8
Communication tactics	7
Improper contact or sharing of info	3
Threatened to contact someone or share information improperly	2
Electronic communications	1

Where do complaints against Grant Mercantile Agency come from?

Grant Mercantile Agency's own per-state count, not a national baseline.

California

181
Texas

42
Florida

16
Illinois

14
Indiana

9
Nevada

5
Tennessee

5
Georgia

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Grant Mercantile Agency: 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: 299.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.65277777777779%.

4 peers

Know your rights before responding to Grant Mercantile Agency: 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.