What is the most common complaint against Merchants Adjustment Service, Inc.?

The most common issue consumers report about Merchants Adjustment Service, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 352 complaints filed with the CFPB.

Are complaints against Merchants Adjustment Service, Inc. increasing or decreasing?

Complaints against Merchants Adjustment Service, Inc. have been stable. The company received 67 complaints in the last 12 months.

What is Merchants Adjustment Service, Inc.'s reputation grade?

Merchants Adjustment Service, Inc. has a reputation grade of D (score: 53.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Merchants Adjustment Service, Inc. respond to consumer complaints?

Merchants Adjustment Service, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.

In how many states does Merchants Adjustment Service, Inc. operate?

Merchants Adjustment Service, Inc. has received CFPB complaints from consumers in 18 states, with the most complaints from Alabama (109 complaints).

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

Merchants Adjustment Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade D.

Compiled by PlainCollector

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

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 #3610

VOL 352
GRADE D
12MO 67
STATES 18
TIMELY 99%
DISPUTE 24%
ISSUE Attempts to collect debt n…
RANK #351
COMPOSE #3,610

Volume peers

Nearest volume peer: Medical Business Bureau (352 complaints)

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Merchants Adjustment Service, Inc. is volume #351 but composite #3,610, while Alabama dominates the geography. 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)
Divergent corpus ranks: #351 volume; #3,610 composite; Cleanest-composite ladder is 3,259 places worse than volume

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 S… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

95%

91%

Consumer-dispute ratelower is better

24%

35%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Alabama

109
South Carolina

75
Georgia

45
Florida

37
Mississippi

30
Kentucky

10
Kansas

9
North Carolina

8

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.