Head Mercantile Co., Inc.
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
CFPB collection forwarding receipt
Forwarded record DC-HEAD-MERCANTILE-CO Head Mercantile Co., Inc.
137 DC complaints · rank #512/656 · 96.1% timely
- DC 137
- RANK #512/656
- TIMELY 96.1%
- RELIEF 0%
- DISPUTE 25%
- STATES 15
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO Universal Recovery Corporat…
Volume peers
Photo peer: Universal Recovery Corporation (138)
Head Mercantile Co., Inc.'s 137 debt-collection complaints sit next to Universal Recovery Corporation (138) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Head Mercantile Co., Inc. →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 3 |
| 2015 | 3 |
| 2017 | 3 |
| 2018 | 7 |
| 2019 | 9 |
| 2020 | 23 |
| 2021 | 33 |
| 2022 | 17 |
| 2023 | 12 |
| 2024 | 26 |
| 2025 | 33 |
| 2026 | 9 |
Complaints by State (Top 15)
What the CFPB Record Shows for Head Mercantile Co., Inc.
According to the CFPB Consumer Complaint Database as aggregated by PlainCredit, Head Mercantile Co., Inc. ranks #512 of 656 debt collectors by debt-collection complaint volume (22nd percentile), using the same dc_complaints sort as the Collectors directory. 137 debt-collection complaints against Head Mercantile Co., Inc. appear in the CFPB record - 77% of the 178 complaints filed about this entity. The 15 states and territories represented make this a multi-state operation by complaint volume. The most common debt type behind these complaints is "Medical debt," which is the category consumers most often describe when they file a CFPB report about this collector. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
The company's timely response rate is 96.1%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That clears the industry benchmark, a sign the intake process is functioning on schedule. 0% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage. The response was formally disputed in 25% of resolved cases, indicating how frequently the initial fix fell short.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for Head Mercantile Co., Inc. → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Head Mercantile Co., Inc.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (137 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (25% here).
Frequently asked questions
How many CFPB debt-collection complaints does Head Mercantile Co., Inc. have?
Head Mercantile Co., Inc. has 137 debt-collection complaints in the CFPB Consumer Complaint Database, ranking #512 of 656 collectors by that volume.
Does Head Mercantile Co., Inc. respond to CFPB complaints on time?
CFPB complaints against Head Mercantile Co., Inc. show a 96.1% timely-response rate.
What issue do consumers cite most about Head Mercantile Co., Inc.?
"Attempts to collect debt not owed" is the leading issue tag on Head Mercantile Co., Inc.'s CFPB complaint record.
How should I read Head Mercantile Co., Inc.'s CFPB complaint record?
These figures summarize what consumers filed with the CFPB about Head Mercantile Co., Inc.. They are educational, not advice - see the debt-collection rights and CFPB filing guides for next steps on a live dispute.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.