Total CFPB complaints
15
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 15 complaints
ROCKFORD MERCANTILE AGENCY, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ROCKFORD MERCANTILE AGENCY, INC.
- Written notification about debt
Written notification about debt
5 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
4 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Disclosure verification of debt
Disclosure verification of debt
2 complaints
- False statements or representation 1
False statements or representation
1 complaints
B
Grade B · 66.3/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about ROCKFORD MERCANTILE AGENCY, INC.?
ROCKFORD MERCANTILE AGENCY, INC. has accumulated 15 total CFPB complaints across 4 states, with 1 filed in the most recent 12 months against 14 historical complaints before that window. The trailing-12-month volume represents 6.7% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 73% timely-response rate against a 0% 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 4 states, led by Illinois with 10 and Florida with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 66.3/100 places ROCKFORD MERCANTILE AGENCY, INC. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
6.7% of total history
Rising ↑
States active
4
Distinct state filings
Timely response rate
73%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
66.3/100 composite
Response-quality profile
How ROCKFORD MERCANTILE AGENCY, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 73.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does ROCKFORD MERCANTILE AGENCY, INC. compare to its peers?
ROCKFORD MERCANTILE AG… 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)
2013-08 2026-01
Top Consumer Issues
Written notification about debt5 (%)
Cont'd attempts collect debt not owed4 (%)
Attempts to collect debt not owed3 (%)
False statements or representation1 (%)
Disclosure verification of debt2 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
Where do complaints against ROCKFORD MERCANTILE AGENCY, INC. come from?
The states where consumers have filed the most CFPB complaints against ROCKFORD MERCANTILE AGENCY, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ROCKFORD MERCANTILE AGENCY, INC.
Across 4 states with at least one filing
- Illinois
Illinois
10 complaints
- Florida 2
Florida
2 complaints
- Nebraska 2
Nebraska
2 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against ROCKFORD MERCANTILE AGENCY, INC.? ▼
The most common issue consumers report about ROCKFORD MERCANTILE AGENCY, INC. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 15 complaints filed with the CFPB.
Are complaints against ROCKFORD MERCANTILE AGENCY, INC. increasing or decreasing? ▼
Complaints against ROCKFORD MERCANTILE AGENCY, INC. are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is ROCKFORD MERCANTILE AGENCY, INC.'s reputation grade? ▼
ROCKFORD MERCANTILE AGENCY, INC. has a reputation grade of B (score: 66.3/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does ROCKFORD MERCANTILE AGENCY, INC. respond to consumer complaints? ▼
ROCKFORD MERCANTILE AGENCY, INC. has a 73% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does ROCKFORD MERCANTILE AGENCY, INC. operate? ▼
ROCKFORD MERCANTILE AGENCY, INC. has received CFPB complaints from consumers in 4 states, with the most complaints from Illinois (10 complaints).
What can I do if ROCKFORD MERCANTILE AGENCY, 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 ROCKFORD MERCANTILE AGENCY, 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 |