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

CFPB complaint data Grade D 299 complaints

Grant Mercantile Agency - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade D.

Complaints by issue type

What consumers report about Grant Mercantile Agency

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 59.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Grant Mercantile Agency ranks ahead of 39% of the 5,283 collectors PlainCollector grades - 61% keep a cleaner CFPB record, on 299 all-time complaints and a 100% timely-response rate.

39th pct
reputation rank of 5,283 graded collectors
299
CFPB complaints, all-time
100%
answered inside the CFPB window
41
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Grant Mercantile Agency?

Grant Mercantile Agency has accumulated 299 total CFPB complaints across 23 states, with 41 filed in the most recent 12 months against 258 historical complaints before that window. The trailing-12-month volume represents 13.7% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate against a 15% consumer-dispute-after-response rate.

Complaints have been recorded across 23 states, led by California with 181 and Texas with 42. Normalized against the full CFPB collector database, the reputation score of 59.0/100 places Grant Mercantile Agency in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

299

mid-volume (CCDB)

Last 12 months

41

13.7% of all-time complaints

Falling ↓

States active

23

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

15%

average (vertical avg ~19%)

Reputation grade

D

59.0/100 composite

How does Grant Mercantile Agency's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 39th percentile higher than 39% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Grant Mercantile Agency versus the debt-collection vertical average.

Timely response within SLA 99.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 14.9%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 41.1%

Share of US states + territories with at least one filed complaint against this collector.

How does Grant Mercantile Agency compare to its peers?

How does Grant Mercantile Agency compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Grant Mercantile Agenc… National average
Complaints (last 12 mo)lower is better
41
0
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 Sub-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.

Top states by complaints against Grant Mercantile Agency

Across 23 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Grant Mercantile Agency contacts you

A grade of D signals how Grant Mercantile Agency's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Grant Mercantile Agency and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Grant Mercantile Agency ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 59.0/100), 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).

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

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.