Total CFPB complaints
595
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 595 complaints
MERCANTILE ADJUSTMENT BUREAU, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 44 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about MERCANTILE ADJUSTMENT BUREAU, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
208 complaints
- Written notification about debt 74
Written notification about debt
74 complaints
- Cont'd attempts collect debt not owed 72
Cont'd attempts collect debt not owed
72 complaints
- Communication tactics 52
Communication tactics
52 complaints
- False statements or representation 37
False statements or representation
37 complaints
- Disclosure verification of debt 31
Disclosure verification of debt
31 complaints
D
Grade D · 56.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about MERCANTILE ADJUSTMENT BUREAU, LLC?
MERCANTILE ADJUSTMENT BUREAU, LLC has accumulated 595 total CFPB complaints across 44 states, with 13 filed in the most recent 12 months against 582 historical complaints before that window. The trailing-12-month volume represents 2.2% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 21% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 44 states, led by Texas with 147 and New York with 74, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.3/100 places MERCANTILE ADJUSTMENT BUREAU, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
13
2.2% of total history
Falling ↓
States active
44
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
21%
After company response
Reputation grade
D
56.3/100 composite
Response-quality profile
How MERCANTILE ADJUSTMENT BUREAU, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 42.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 78.6%
Share of US states + territories with at least one filed complaint against this collector.
How does MERCANTILE ADJUSTMENT BUREAU, LLC compare to its peers?
MERCANTILE ADJUSTMENT … National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-09 2025-08
Top Consumer Issues
Attempts to collect debt not owed208 (%)
Cont'd attempts collect debt not owed72 (%)
Written notification about debt74 (%)
Communication tactics52 (%)
False statements or representation37 (%)
Disclosure verification of debt31 (%)
Took or threatened to take negative or legal action15 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 130 |
| Cont'd attempts collect debt not owed | Debt is not mine | 72 |
| Attempts to collect debt not owed | Debt was result of identity theft | 59 |
| Written notification about debt | Didn't receive enough information to verify debt | 52 |
| Communication tactics | Frequent or repeated calls | 52 |
| False statements or representation | Attempted to collect wrong amount | 37 |
| Disclosure verification of debt | Not given enough info to verify debt | 31 |
| Written notification about debt | Didn't receive notice of right to dispute | 22 |
| Attempts to collect debt not owed | Debt was paid | 19 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 15 |
Where do complaints against MERCANTILE ADJUSTMENT BUREAU, LLC come from?
The states where consumers have filed the most CFPB complaints against MERCANTILE ADJUSTMENT BUREAU, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against MERCANTILE ADJUSTMENT BUREAU, LLC
Across 44 states with at least one filing
- Texas
Texas
147 complaints
- New York
New York
74 complaints
- Florida 41
Florida
41 complaints
- Ohio 38
Ohio
38 complaints
- New Jersey 36
New Jersey
36 complaints
- California 33
California
33 complaints
- Georgia 22
Georgia
22 complaints
- Pennsylvania 20
Pennsylvania
20 complaints
Frequently Asked Questions
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 595 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 13 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: 56.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (147 complaints).
What can I do if MERCANTILE ADJUSTMENT BUREAU, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If MERCANTILE ADJUSTMENT BUREAU, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |