Debt collector · complaint record
Head Mercantile complaints
Filed under HEAD MERCANTILE CO., INC.
Consumers have filed 189 complaints about Head Mercantile since 2014, 23 of them in the last 12 months (-38% on the year before). It answered 87% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 189
- Last 12 months
- 23
- Answered on time
- 87%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #492 of 1,963
Since January 2014
-38% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 3, 2026
Most complained-about debt collectors
Head Mercantile complaints by month
The busiest month was November 2021 (8 complaints). Complaints in the last 12 months are down 38% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Head Mercantile answered all time
- Closed with explanation189100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Head Mercantile complaints are about
Top Head Mercantile problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 37
- Debt was result of identity theft 15
- Debt was paid 4
Where Head Mercantile complaints come from
Most complaints: Ohio (74), Mississippi (48), Louisiana (22), Florida (16), Georgia (12).
Head Mercantile compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Head MercantileDebt collection | - | 23 | - |
Compare side by side: Head Mercantile vs Green Square · Head Mercantile vs EMoneyUSA · Head Mercantile vs Mullooly Jeffrey Rooney & Flynn · Head Mercantile vs Credit World Services
What people say about Head Mercantile
All experiencesNo experiences with Head Mercantile yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Head Mercantile complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 15, 2026 | Debt collection | Electronic communicationsContacted before 8am or after 9pm | Explained |
| Oct 9, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 27, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Sep 1, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 26, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 26, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 1, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 19, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Head Mercantile
How many complaints does Head Mercantile have?
Head Mercantile has 189 complaints on record since January 2014, including 23 in the last 12 months and 1 in the last 30 days. That makes it number 1,010 of every company by complaints this year.
Does Head Mercantile respond to complaints?
Yes. Head Mercantile answered 87% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Head Mercantile?
The most common problems are attempts to collect debt not owed (56), written notification about debt (45), false statements or representation (20).
Is Head Mercantile legit?
Head Mercantile is a real company with a public complaint record: consumers have complained about it 189 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Head Mercantile legit? for the signals, red flags and how to protect yourself.
Are complaints about Head Mercantile going up or down?
Down. There were 23 complaints in the last 12 months against 37 in the 12 before (-38%). See every month.
How do I file a complaint against Head Mercantile?
Complain to Head Mercantile in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Head Mercantile complaints come from?
Most come from Ohio (74), Mississippi (48), Louisiana (22). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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