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 |
|---|---|---|---|
| Jul 25, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 10, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jun 7, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 24, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 23, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 17, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 15, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 15, 2025 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| Apr 13, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 30, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 15, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 6, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 25, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Nov 24, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Nov 12, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 23, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 19, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jun 10, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 16, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 15, 2024 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Apr 15, 2024 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Apr 11, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Apr 11, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Apr 9, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Apr 5, 2024 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 12, 2024 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Mar 11, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 17, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 16, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jan 10, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | 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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