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

CFPB complaint data Grade D 594 complaints

Mercantile Adjustment Bureau, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 44 states, reputation grade D.

Complaints by issue type

What consumers report about Mercantile Adjustment Bureau, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record mercantile-adjustment-bureau-llc Mercantile Adjustment Bureau, LLC

Grade D · 594 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #236 · compose #259

  • VOL 594
  • GRADE D
  • 12MO 2
  • STATES 44
  • TIMELY 100%
  • DISPUTE 21%
  • ISSUE Attempts to collect debt n…
  • RANK #236
  • COMPOSE #259

Volume peers

Nearest volume peer: Fiserv Finxact Core (593 complaints)

Opportunity Financial, LLCOpportunity Financial, LLC588Optimum Outcomes, Inc.Optimum Outcomes, Inc.591Fiserv Finxact CoreFiserv Finxact Core593Ray Klein, Inc.Ray Klein, Inc.593Mercantile Adjustment Bureau, LLC (this)Mercantile Adjustment Bureau…594
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Mercantile Adjustment Bureau, LLC's 594 CFPB complaints sit next to Fiserv Finxact Core on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 594 complaints break down

Every complaint issue type on record for Mercantile Adjustment Bureau, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.1/100
Mercantile Adjustment Bureau, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
594
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
21%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Steady monthly series

Texas is the plurality state for Mercantile Adjustment Bureau, LLC (24.6%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 24.6%
Mid-band (15–30%) · 44 states with ≥1 filing
Even monthly load
Peak under 8%
Highest month 2023-10 at 6.7% (2 filings)
Corpus ranks
#236 volume
#259 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Mercantile Adjustment Bureau, LLC compare to its peers?

How does MERCANTILE ADJUSTMENT BUREAU, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
MERCANTILE ADJUSTMENT BUREAU, LLC National average
Complaints (last 12 mo)lower is better
2
123
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
21%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Mercantile Adjustment Bureau, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Mercantile Adjustment Bureau, LLC vs. 8 similar-volume peers, by response speed and dispute rate Mercantile Adjustment Bureau, LLCRay Klein, Inc.Optimum Outcomes, Inc.Opportunity Financial, LLCUSCB, Inc.KBR INC DBA RASH CURTIS & ASSOCIATESAsset Management Outsourcing, Inc.Crown Asset Management, LLC, Duluth, GA BranchLendmark Financial Services
Source: CFPB Consumer Complaint Database

Mercantile Adjustment Bureau, LLC's complaint volume in context

Mercantile Adjustment Bureau, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

594 Top 4% higher than 96% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Mercantile Adjustment Bureau, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2023-10 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
211
Cont'd attempts collect debt not owed
100
Written notification about debt
79
Communication tactics
69
Disclosure verification of debt
44
False statements or representation
43
Took or threatened to take negative or legal action
20
Improper contact or sharing of info
10
Taking/threatening an illegal action
8
Threatened to contact someone or share information improperly
5

Where do complaints against Mercantile Adjustment Bureau, LLC come from?

Mercantile Adjustment Bureau, LLC's own per-state count, not a national baseline.

Top states by complaints against Mercantile Adjustment Bureau, LLC

Across 44 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Mercantile Adjustment Bureau, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 594.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Mercantile Adjustment Bureau, LLC: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.