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

CFPB complaint data Grade C 32 complaints

Western Mercantile Agency, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade C.

Complaints by issue type

What consumers report about Western Mercantile Agency, Inc

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

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 32
  • GRADE C
  • 12MO 1
  • STATES 2
  • TIMELY 78%
  • DISPUTE 13%
  • ISSUE Attempts to collect debt n…
  • RANK #1,509
  • COMPOSE Not ranked

Volume peers

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

ADR ARBITRATION SERVICES (Closed)ADR ARBITRATION SERVICES (Cl…32Capital Recovery Systems, Inc.Capital Recovery Systems, In…32Cash Express, LLCCash Express, LLC32Christus HealthChristus Health32Western Mercantile Agency, Inc (this)Western Mercantile Agency, I…32
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 →

How the 32 complaints break down

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

Reputation score breakdown

C
Composite reputation score
56.4/100
Western 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 D
32
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
78%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
13%
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

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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)
Corpus ranks
#1,509 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Agency, Inc National average
Complaints (last 12 mo)lower is better
1
0
268
Timely-response ratehigher is better
78%
97%
91%
Consumer-dispute ratelower is better
13%
32%
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 Western Mercantile Agency, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 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 60%70%80%90%100% 0%20%40%60% Timely response rate (%) Dispute rate (%) Western Mercantile Agency, Inc vs. 6 similar-volume peers, by response speed and dispute rate Western Mercantile Agency, IncWESTERN CONTROL SERVICES, INC.The Law Office of Daniel SlaneSound Collection ServicesSFS, IncRegional Acquisition Group, Inc.Receivable Asset Management
Source: CFPB Consumer Complaint Database

Western Mercantile Agency, Inc's complaint volume in context

Western 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)

32 72nd percentile higher than 72% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 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. Western 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 ↓
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.

Top states by complaints against Western Mercantile Agency, Inc

Across 2 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 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.