Total CFPB complaints
137
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 137 complaints
HEAD MERCANTILE CO., INC. — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about HEAD MERCANTILE CO., INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
51 complaints
- Written notification about debt
Written notification about debt
40 complaints
- False statements or representation 19
False statements or representation
19 complaints
- Took or threatened to take negative or legal action 10
Took or threatened to take negative or legal action
10 complaints
- Communication tactics 4
Communication tactics
4 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
D
Grade D · 57.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about HEAD MERCANTILE CO., INC.?
HEAD MERCANTILE CO., INC. has accumulated 137 total CFPB complaints across 14 states, with 28 filed in the most recent 12 months against 109 historical complaints before that window. The trailing-12-month volume represents 20.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 97% timely-response rate against a 25% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 14 states, led by Ohio with 52 and Mississippi with 42, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.7/100 places HEAD MERCANTILE CO., INC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
28
20.4% of total history
Rising ↑
States active
14
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
D
57.7/100 composite
Response-quality profile
How HEAD MERCANTILE CO., INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 50.0%
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?
HEAD MERCANTILE CO., I… 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)
2022-10 2026-03
Top Consumer Issues
Attempts to collect debt not owed51 (%)
Written notification about debt40 (%)
False statements or representation19 (%)
Took or threatened to take negative or legal action10 (%)
Communication tactics4 (%)
Disclosure verification of debt3 (%)
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 | 33 |
| Written notification about debt | Didn't receive enough information to verify debt | 24 |
| False statements or representation | Attempted to collect wrong amount | 19 |
| Written notification about debt | Didn't receive notice of right to dispute | 16 |
| Attempts to collect debt not owed | Debt was result of identity theft | 14 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 7 |
| Communication tactics | Used obscene, profane, or other abusive language | 4 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
Where do complaints against HEAD MERCANTILE CO., INC. come from?
The states where consumers have filed the most CFPB complaints against HEAD MERCANTILE CO., INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against HEAD MERCANTILE CO., INC.
Across 14 states with at least one filing
- Ohio
Ohio
52 complaints
- Mississippi
Mississippi
42 complaints
- Louisiana 11
Louisiana
11 complaints
- Georgia 10
Georgia
10 complaints
- Florida 8
Florida
8 complaints
- Alabama 3
Alabama
3 complaints
- Missouri 2
Missouri
2 complaints
- Michigan 2
Michigan
2 complaints
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 137 complaints filed with the CFPB.
Are complaints against HEAD MERCANTILE CO., INC. increasing or decreasing? ▼
Complaints against HEAD MERCANTILE CO., INC. are rising. The company received 28 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is HEAD MERCANTILE CO., INC.'s reputation grade? ▼
HEAD MERCANTILE CO., INC. has a reputation grade of D (score: 57.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (52 complaints).
What can I do if HEAD MERCANTILE CO., INC. 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 HEAD MERCANTILE CO., INC. 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 |