This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 182 complaints

Federal Adjustment Bureau, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 15 states, reputation grade D.

Complaints by issue type

What consumers report about Federal Adjustment Bureau, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 55.7/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Federal Adjustment Bureau, Inc. ranks ahead of 27% of the 5,283 collectors PlainCollector grades - 73% keep a cleaner CFPB record, on 182 all-time complaints and a 87% timely-response rate.

27th pct
reputation rank of 5,283 graded collectors
182
CFPB complaints, all-time
87%
answered inside the CFPB window
39
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Federal Adjustment Bureau, Inc.?

Federal Adjustment Bureau, Inc. has accumulated 182 total CFPB complaints across 15 states, with 39 filed in the most recent 12 months against 143 historical complaints before that window. The trailing-12-month volume represents 21.4% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 87% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 15 states, led by Ohio with 149 and Florida with 8. Normalized against the full CFPB collector database, the reputation score of 55.7/100 places Federal Adjustment Bureau, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

182

mid-volume (CCDB)

Last 12 months

39

21.4% of all-time complaints

Stable →

States active

15

regional footprint

Timely response rate

87%

acceptable band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

D

55.7/100 composite

How does Federal Adjustment Bureau, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 27th percentile higher than 27% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Federal Adjustment Bureau, Inc. versus the debt-collection vertical average.

Timely response within SLA 87.3%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 17.4%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 26.8%

Share of US states + territories with at least one filed complaint against this collector.

How does Federal Adjustment Bureau, Inc. compare to its peers?

How does Federal Adjustment Bureau, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Federal Adjustment Bur… National average
Complaints (last 12 mo)lower is better
39
60
268
Timely-response ratehigher is better
87%
78%
91%
Consumer-dispute ratelower is better
17%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-12 2019-06

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 79
Written notification about debt - 38
False statements or representation - 26
Disclosure verification of debt - 14
Took or threatened to take negative or legal action - 9
Communication tactics - 6
Cont'd attempts collect debt not owed - 6
Threatened to contact someone or share information improperly - 3
Electronic communications - 1

Where do complaints against Federal Adjustment Bureau, Inc. come from?

Federal Adjustment Bureau, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Federal Adjustment Bureau, Inc.

Across 15 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Federal Adjustment Bureau, Inc. contacts you

A grade of D signals how Federal Adjustment Bureau, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Federal Adjustment Bureau, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Federal Adjustment Bureau, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Federal Adjustment Bureau, Inc.? ▼

The most common issue consumers report about Federal Adjustment Bureau, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 182 complaints filed with the CFPB.

Are complaints against Federal Adjustment Bureau, Inc. increasing or decreasing? ▼

Complaints against Federal Adjustment Bureau, Inc. have been stable. The company received 39 complaints in the last 12 months.

What is Federal Adjustment Bureau, Inc.'s reputation grade? ▼

Federal Adjustment Bureau, Inc. has a reputation grade of D (score: 55.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Federal Adjustment Bureau, Inc. respond to consumer complaints? ▼

Federal Adjustment Bureau, Inc. has a 87% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Federal Adjustment Bureau, Inc. operate? ▼

Federal Adjustment Bureau, Inc. has received CFPB complaints from consumers in 15 states, with the most complaints from Ohio (149 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.