What is the most common complaint against Western Mercantile Agency, Inc?

The most common issue consumers report about Western Mercantile Agency, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 32 complaints filed with the CFPB.

Are complaints against Western Mercantile Agency, Inc increasing or decreasing?

Complaints against Western Mercantile Agency, Inc are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Western Mercantile Agency, Inc's reputation grade?

Western Mercantile Agency, Inc has a reputation grade of C (score: 56.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Western Mercantile Agency, Inc respond to consumer complaints?

Western Mercantile Agency, Inc has a 78% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Western Mercantile Agency, Inc operate?

Western Mercantile Agency, Inc has received CFPB complaints from consumers in 2 states, with the most complaints from Oregon (30 complaints).

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

Western Mercantile Agency, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

7
Written notification about debt

6
Took or threatened to take negative or legal action

6
Cont'd attempts collect debt not owed

6
False statements or representation

2
Communication tactics

2

Data updated September 2026

CFPB complaint disposition

CCDB record western-mercantile-agency-inc Western Mercantile Agency, Inc

Grade C · 32 CFPB filings · 78% timely · lead issue: Attempts to collect debt not owed · vol #1509 · compose #3091

VOL 32
GRADE C
12MO 1
STATES 2
TIMELY 78%
DISPUTE 13%
ISSUE Attempts to collect debt n…
RANK #1,509
COMPOSE #3,091

Volume peers

Nearest volume peer: ADR ARBITRATION SERVICES (Closed) (32 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Western Mercantile Agency, Inc's 32 CFPB complaints sit next to ADR ARBITRATION SERVICES (Closed) 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 →

State-heavy filing map

93.8% of Western Mercantile Agency, Inc's CFPB filings land in Oregon

High volume does not equal a clean composite: Western Mercantile Agency, Inc is volume #1,509 but composite #3,091, while Oregon dominates the geography. Corpus placement method.

Dominant state: Oregon 93.8%; 30 of 32 filings · 2 states touched
Spike month: 2023-12 33.3%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,509 volume; #3,091 composite; Cleanest-composite ladder is 1,582 places worse than volume

How does Western Mercantile Agency, Inc compare to its peers?

How does Western 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

Western Mercantile Age… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

78%

97%

91%

Consumer-dispute ratelower is better

13%

32%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-12 2024-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	7
Written notification about debt	6
Took or threatened to take negative or legal action	6
Cont'd attempts collect debt not owed	6
False statements or representation	2
Communication tactics	2
Taking/threatening an illegal action	2
Threatened to contact someone or share information improperly	1

Where do complaints against Western Mercantile Agency, Inc come from?

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

Oregon

30
Alabama

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Western 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: 32.

4 peers

Know your rights before responding to Western 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.