CFPB Consumer Complaint Profile
Grant Mercantile Agency
340 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 340
- Total complaints
- Above average
- 39
- Last 12 months
- 99.7%
- Timely response
- Top decile
- 23
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Grant Mercantile Agency has accumulated 340 complaints, placing it #640 by volume. Its on-time response rate is 99.7%, the 76th percentile among companies with 100+ complaints.
- #640
- of 3,843 companies by volume
- 99.7%
- on time (76th pctile)
- Debt collection
- most-complained product
- 23
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Grant Mercantile Agency vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.7% Top 24% higher than 76% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 33 in 2024 to 23 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 5 |
| 2014 | 9 |
| 2015 | 10 |
| 2016 | 14 |
| 2017 | 31 |
| 2018 | 36 |
| 2019 | 38 |
| 2020 | 31 |
| 2021 | 29 |
| 2022 | 42 |
| 2023 | 21 |
| 2024 | 33 |
| 2025 | 23 |
| 2026year in progress | 18 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Grant Mercantile Agency
340 complaints against Grant Mercantile Agency appear in the CFPB record, including 39 from the trailing year. The 23 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Grant Mercantile Agency draw a 99.7% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 14.9% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 8.8% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Grant Mercantile Agency have?
340 complaints have been filed against Grant Mercantile Agency with the CFPB overall - 39 of them in the past year.
Does Grant Mercantile Agency respond to complaints on time?
CFPB complaints against Grant Mercantile Agency draw a 99.7% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Grant Mercantile Agency?
"Debt collection" draws more CFPB complaints against Grant Mercantile Agency than any other product - see the full breakdown above.
What is the most common complaint issue with Grant Mercantile Agency?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Grant Mercantile Agency - see all issues and counts above.
How do I file a complaint against Grant Mercantile Agency?
You can file a complaint against Grant Mercantile Agency directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Grant Mercantile Agency?
Grant Mercantile Agency has drawn CFPB complaints from 23 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Grant Mercantile Agency: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (14.9% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.