Head Mercantile Co., Inc.
A federal complaint-record lookup, not a rating from us.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
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)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Head Mercantile Co., Inc.
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.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Head Mercantile Co., Inc. have?
Head Mercantile Co., Inc. has 137 debt collection complaints filed with the CFPB, representing 77% of all complaints against this company.
Does Head Mercantile Co., Inc. respond to complaints on time?
96.1% of the CFPB complaints against Head Mercantile Co., Inc. get a response within the expected window. That puts it among the more responsive collectors in the CFPB dataset.
Does Head Mercantile Co., Inc. provide relief to consumers?
Head Mercantile Co., Inc. closed 0% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does Head Mercantile Co., Inc. primarily collect?
"Medical debt" is the debt type Head Mercantile Co., Inc. is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against Head Mercantile Co., Inc.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Head Mercantile Co., Inc. active?
Consumers in 15 states and territories have filed CFPB complaints against Head Mercantile Co., Inc..
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.