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

CFPB complaint data Grade D 140 complaints

Head Mercantile Co., Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade D.

Complaints by issue type

What consumers report about Head Mercantile Co., Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.7/100 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: Head Mercantile Co., Inc. ranks ahead of 34% of the 5,283 collectors PlainCollector grades - 66% keep a cleaner CFPB record, on 140 all-time complaints and a 97% timely-response rate.

34th pct
reputation rank of 5,283 graded collectors
140
CFPB complaints, all-time
97%
answered inside the CFPB window
24
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 Head Mercantile Co., Inc.?

Head Mercantile Co., Inc. has accumulated 140 total CFPB complaints across 14 states, with 24 filed in the most recent 12 months against 116 historical complaints before that window. The trailing-12-month volume represents 17.1% 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 97% timely-response rate against a 25% consumer-dispute-after-response rate.

Complaints have been recorded across 14 states, led by Ohio with 53 and Mississippi with 42. Normalized against the full CFPB collector database, the reputation score of 57.7/100 places Head Mercantile Co., Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

140

mid-volume (CCDB)

Last 12 months

24

17.1% of all-time complaints

Falling ↓

States active

14

regional footprint

Timely response rate

97%

excellent band

Consumer disputes

25%

elevated (vertical avg ~19%)

Reputation grade

D

57.7/100 composite

How does Head Mercantile Co., Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

58 34th percentile higher than 34% 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

Head Mercantile Co., Inc. versus the debt-collection vertical average.

Timely response within SLA 97.1%
Vertical avg

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

Consumer dispute rate (post-response) 25.0%
Vertical avg

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

State coverage breadth 25.0%

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

How does Head Mercantile Co., Inc. compare to its peers?

How does HEAD MERCANTILE CO., INC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
HEAD MERCANTILE CO., I… National average
Complaints (last 12 mo)lower is better
24
59
268
Timely-response ratehigher is better
97%
97%
91%
Consumer-dispute ratelower is better
25%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-12 2024-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 52
Written notification about debt - 42
False statements or representation - 20
Took or threatened to take negative or legal action - 10
Communication tactics - 6
Disclosure verification of debt - 4
Cont'd attempts collect debt not owed - 3
Electronic communications - 2
Threatened to contact someone or share information improperly - 1

Where do complaints against Head Mercantile Co., Inc. come from?

Head Mercantile Co., Inc.'s own per-state count, not a national baseline.

Top states by complaints against Head Mercantile Co., Inc.

Across 14 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Head Mercantile Co., Inc. contacts you

A grade of D signals how Head Mercantile Co., Inc.'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 Head Mercantile Co., Inc. 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 Head Mercantile Co., Inc. 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 Head Mercantile Co., Inc.? ▼

The most common issue consumers report about Head Mercantile Co., Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 140 complaints filed with the CFPB.

Are complaints against Head Mercantile Co., Inc. increasing or decreasing? ▼

Complaints against Head Mercantile Co., Inc. are falling. The company received 24 complaints in the last 12 months, showing improvement over prior periods.

What is Head Mercantile Co., Inc.'s reputation grade? ▼

Head Mercantile Co., Inc. has a reputation grade of D (score: 57.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Head Mercantile Co., Inc. respond to consumer complaints? ▼

Head Mercantile Co., Inc. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does Head Mercantile Co., Inc. operate? ▼

Head Mercantile Co., Inc. has received CFPB complaints from consumers in 14 states, with the most complaints from Ohio (53 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.