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

CFPB complaint data Grade B 15 complaints

Rockford Mercantile Agency, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade B.

Complaints by issue type

What consumers report about Rockford Mercantile Agency, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record rockford-mercantile-agency-inc Rockford Mercantile Agency, Inc.

Grade B · 15 CFPB filings · 73% timely · lead issue: Written notification about debt

  • VOL 15
  • GRADE B
  • 12MO 1
  • STATES 4
  • TIMELY 73%
  • DISPUTE 0%
  • ISSUE Written notification about…
  • RANK #2,164
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Accounts Advocate Agency (15 complaints)

Accounts Advocate AgencyAccounts Advocate Agency15Advanced Resolution Services Inc.Advanced Resolution Services…15American Credit AdjustersAmerican Credit Adjusters15Automated Accounts, Inc.Automated Accounts, Inc.15Rockford Mercantile Agency, Inc. (this)Rockford Mercantile Agency, …15
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Rockford Mercantile Agency, Inc.'s 15 CFPB complaints sit next to Accounts Advocate Agency 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 →

How the 15 complaints break down

Every complaint issue type on record for Rockford Mercantile Agency, Inc., not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
62.4/100
Rockford Mercantile Agency, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume C
15
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
73%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

66.7% of Rockford Mercantile Agency, Inc.'s CFPB filings land in Illinois

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Illinois 66.7%
10 of 15 filings · 4 states touched
Even monthly load
Peak under 8%
Highest month 2022-05 at 7.1% (2 filings)
Corpus ranks
#2,164 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Rockford Mercantile Agency, Inc. compare to its peers?

How does ROCKFORD MERCANTILE AGENCY, INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
ROCKFORD MERCANTILE AGENCY, INC. National average
Complaints (last 12 mo)lower is better
1
0
268
Timely-response ratehigher is better
73%
93%
91%
Consumer-dispute ratelower is better
0%
13%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Rockford Mercantile Agency, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%20%40%60% Timely response rate (%) Dispute rate (%) Rockford Mercantile Agency, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Rockford Mercantile Agency, Inc.Professional Recovery Services Inc.(Closed)Secured Resolutions, LLCPOPULAR BANKService Bureau, Inc.PCS Receivables Corp.Simpson Law Firm, P.A.PATRICK A. CAREY, P.A.St.John Cobb Inc
Source: CFPB Consumer Complaint Database

Rockford Mercantile Agency, Inc.'s complaint volume in context

Rockford Mercantile Agency, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

15 60th percentile higher than 60% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Rockford Mercantile Agency, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2017-02 2026-01

Issue Detail Breakdown

Issue Complaints
Written notification about debt
5
Cont'd attempts collect debt not owed
4
Attempts to collect debt not owed
3
Disclosure verification of debt
2
False statements or representation
1

Where do complaints against Rockford Mercantile Agency, Inc. come from?

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

Top states by complaints against Rockford Mercantile Agency, Inc.

Across 4 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Rockford Mercantile Agency, Inc.: 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: 15.

4 peers

Know your rights before responding to Rockford Mercantile Agency, Inc.: 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.