Total CFPB complaints
32
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 32 complaints
Western Mercantile Agency, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Western Mercantile Agency, Inc
- Written notification about debt
Written notification about debt
6 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
6 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Taking/threatening an illegal action 2
Taking/threatening an illegal action
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
C
Grade C · 60.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Western Mercantile Agency, Inc?
Western Mercantile Agency, Inc has accumulated 32 total CFPB complaints across 2 states, with 2 filed in the most recent 12 months against 30 historical complaints before that window. The trailing-12-month volume represents 6.3% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 78% timely-response rate against a 13% 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 2 states, led by Oregon with 30 and Alabama with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.0/100 places Western Mercantile Agency, Inc in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
6.3% of total history
Falling ↓
States active
2
Distinct state filings
Timely response rate
78%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
C
60.0/100 composite
Response-quality profile
How Western 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 78.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 25.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Western Mercantile Agency, Inc compare to its peers?
Western Mercantile Age… 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)
2015-07 2025-10
Top Consumer Issues
Attempts to collect debt not owed5 (%)
Written notification about debt6 (%)
Cont'd attempts collect debt not owed6 (%)
Took or threatened to take negative or legal action4 (%)
Taking/threatening an illegal action2 (%)
Communication tactics2 (%)
False statements or representation2 (%)
Threatened to contact someone or share information improperly1 (%)
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 | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 4 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
Where do complaints against Western Mercantile Agency, Inc come from?
The states where consumers have filed the most CFPB complaints against Western Mercantile Agency, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Western Mercantile Agency, Inc
Across 2 states with at least one filing
- Oregon
Oregon
30 complaints
- Alabama 1
Alabama
1 complaints
Frequently Asked Questions
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 2 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: 60.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Western 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 Western 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 |