Debt collection
Head Mercantile debt collection complaints
Consumers have filed 148 complaints about Head Mercantile's debt collection, 21 in the last 12 months (-9%). Head Mercantile answered 95.2% on time and closed 0% with relief. See the whole Head Mercantile record.
Head Mercantile against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Head Mercantile | 21 | 95.2% | 0% |
Latest Head Mercantile debt collection complaints
| 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 |
| Mar 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 6, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 20, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 18, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 5, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 12, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 10, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 9, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 24, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 15, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 4, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 6, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 4, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 28, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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