Debt collector · complaint record
Western Mercantile Agency complaints
Filed under Western Mercantile Agency, Inc
Consumers have filed 33 complaints about Western Mercantile Agency since 2014, 1 of them in the last 12 months. It answered 0% on time and closed 100% with relief for the customer. The most common problem is took or threatened to take negative or legal action.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 33
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 100%
- Last 30 days
- 0
- Rank
- #1,510 of 1,963
Since January 2014
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Jun 25, 2026
Most complained-about debt collectors
Western Mercantile Agency complaints by month
The busiest month was February 2018 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Western Mercantile Agency answered all time
- Closed with monetary relief13%
- Closed with non-monetary relief13%
- Closed with explanation2884.8%
- Closed39.1%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
Top Western Mercantile Agency problems
Inside "Took or threatened to take negative or legal action"
- Threatened to sue you for very old debt 5
- Sued you without properly notifying you of lawsuit 1
- Threatened or suggested your credit would be damaged 1
Western Mercantile Agency 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 | Western Mercantile AgencyDebt collection | - | 1 | - |
Compare side by side: Western Mercantile Agency vs Green Square · Western Mercantile Agency vs EMoneyUSA · Western Mercantile Agency vs Mullooly Jeffrey Rooney & Flynn · Western Mercantile Agency vs Credit World Services
What people say about Western Mercantile Agency
All experiencesNo experiences with Western Mercantile Agency yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Western Mercantile Agency complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jun 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Fixed |
| Oct 21, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| May 20, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Feb 3, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Money back |
| Dec 3, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 14, 2024 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 12, 2024 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 15, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 11, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 11, 2023 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 3, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| May 16, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about Western Mercantile Agency
How many complaints does Western Mercantile Agency have?
Western Mercantile Agency has 33 complaints on record since January 2014, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Western Mercantile Agency respond to complaints?
Yes. Western Mercantile Agency answered 0% of its complaints on time (within 15 days) and closed 100% 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 Western Mercantile Agency?
The most common problems are took or threatened to take negative or legal action (7), attempts to collect debt not owed (7), cont'd attempts collect debt not owed (6).
Is Western Mercantile Agency legit?
Western Mercantile Agency is a real company with a public complaint record: consumers have complained about it 33 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Western Mercantile Agency legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Western Mercantile Agency?
Complain to Western Mercantile Agency 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 Western Mercantile Agency complaints come from?
Most come from Oregon (31), Alabama (1). 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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