What is the most common complaint against Mercantile Adjustment Bureau, LLC?

The most common issue consumers report about Mercantile Adjustment Bureau, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 594 complaints filed with the CFPB.

Are complaints against Mercantile Adjustment Bureau, LLC increasing or decreasing?

Complaints against Mercantile Adjustment Bureau, LLC are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.

What is Mercantile Adjustment Bureau, LLC's reputation grade?

Mercantile Adjustment Bureau, LLC has a reputation grade of D (score: 53.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Mercantile Adjustment Bureau, LLC respond to consumer complaints?

Mercantile Adjustment Bureau, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 21% of cases.

In how many states does Mercantile Adjustment Bureau, LLC operate?

Mercantile Adjustment Bureau, LLC has received CFPB complaints from consumers in 44 states, with the most complaints from Texas (146 complaints).

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

Mercantile Adjustment Bureau, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 44 states, reputation grade D.

Compiled by PlainCollector

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

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 #3717

VOL 594
GRADE D
12MO 2
STATES 44
TIMELY 100%
DISPUTE 21%
ISSUE Attempts to collect debt n…
RANK #236
COMPOSE #3,717

Volume peers

Nearest volume peer: Fiserv Finxact Core (593 complaints)

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 →

Steady monthly series

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

Volume rank #236 and composite rank #3,717 diverge by 3,481 places on PlainCollector's CFPB-derived corpus maps. 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)
Divergent corpus ranks: #236 volume; #3,717 composite; Cleanest-composite ladder is 3,481 places worse than volume

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 … National average

Complaints (last 12 mo)lower is better

123

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

21%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

146
New York

74
Florida

41
Ohio

38
New Jersey

36
California

33
Georgia

22
Pennsylvania

20

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.