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

CFPB complaint data Grade D 352 complaints

Merchants Adjustment Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade D.

Complaints by issue type

What consumers report about Merchants Adjustment Service, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record merchants-adjustment-service-inc Merchants Adjustment Service, Inc.

Grade D · 352 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #351 · compose #216

  • VOL 352
  • GRADE D
  • 12MO 67
  • STATES 18
  • TIMELY 99%
  • DISPUTE 24%
  • ISSUE Attempts to collect debt n…
  • RANK #351
  • COMPOSE #216

Volume peers

Nearest volume peer: Medical Business Bureau (352 complaints)

BMW Financial Services NA, LLCBMW Financial Services NA, L…349Paramount GR Holdings, LLCParamount GR Holdings, LLC350Regions Financial CorporationRegions Financial Corporation351Medical Business BureauMedical Business Bureau352Merchants Adjustment Service, Inc. (this)Merchants Adjustment Service…352
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Merchants Adjustment Service, Inc.'s 352 CFPB complaints sit next to Medical Business Bureau 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 352 complaints break down

Every complaint issue type on record for Merchants Adjustment Service, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.7/100
Merchants Adjustment Service, Inc.

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
352
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
24%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

31.0% of Merchants Adjustment Service, Inc.'s CFPB filings land in Alabama

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Alabama 31.0%
109 of 352 filings · 18 states touched
Spike month
2014-07 50.0%
1 filings that month · spiky (≥15% of series)
Corpus ranks
#351 volume
#216 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Merchants Adjustment Service, Inc. compare to its peers?

How does Merchants Adjustment Service, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Merchants Adjustment Service, Inc. National average
Complaints (last 12 mo)lower is better
67
6
268
Timely-response ratehigher is better
99%
95%
91%
Consumer-dispute ratelower is better
24%
35%
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 Merchants Adjustment Service, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 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 70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Merchants Adjustment Service, Inc. vs. 6 similar-volume peers, by response speed and dispute rate Merchants Adjustment Service, Inc.Medical Business BureauREGIONS FINANCIAL CORPORATIONBMW Financial Services NA, LLCConsumer Collection Management. IncViking Client ServicesConcord Servicing Corporation
Source: CFPB Consumer Complaint Database

Merchants Adjustment Service, Inc.'s complaint volume in context

Merchants Adjustment Service, Inc. 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)

352 Top 6% higher than 94% 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. Merchants Adjustment Service, Inc. 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)

Stable →
2014-07 2016-07

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
147
Written notification about debt
103
False statements or representation
35
Took or threatened to take negative or legal action
32
Cont'd attempts collect debt not owed
10
Communication tactics
9
Threatened to contact someone or share information improperly
6
Disclosure verification of debt
4
Electronic communications
4
Improper contact or sharing of info
2

Where do complaints against Merchants Adjustment Service, Inc. come from?

Merchants Adjustment Service, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Merchants Adjustment Service, Inc.

Across 18 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 Merchants Adjustment Service, Inc.: 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: 352.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.40476190476191%.

4 peers

Know your rights before responding to Merchants Adjustment Service, Inc.: 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.