Total CFPB complaints
336
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 336 complaints
Merchants Adjustment Service, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Merchants Adjustment Service, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
139 complaints
- Written notification about debt
Written notification about debt
100 complaints
- False statements or representation 32
False statements or representation
32 complaints
- Took or threatened to take negative or legal action 25
Took or threatened to take negative or legal action
25 complaints
- Cont'd attempts collect debt not owed 10
Cont'd attempts collect debt not owed
10 complaints
- Threatened to contact someone or share information improperly 5
Threatened to contact someone or share information improperly
5 complaints
D
Grade D · 56.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Merchants Adjustment Service, Inc.?
Merchants Adjustment Service, Inc. has accumulated 336 total CFPB complaints across 18 states, with 66 filed in the most recent 12 months against 270 historical complaints before that window. The trailing-12-month volume represents 19.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 99% timely-response rate against a 24% 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 18 states, led by Alabama with 103 and South Carolina with 73, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.4/100 places Merchants Adjustment Service, Inc. 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
66
19.6% of total history
Rising ↑
States active
18
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
D
56.4/100 composite
Response-quality profile
How Merchants Adjustment Service, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 47.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 32.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Merchants Adjustment Service, Inc. compare to its peers?
Merchants Adjustment S… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed139 (%)
Written notification about debt100 (%)
False statements or representation32 (%)
Took or threatened to take negative or legal action25 (%)
Threatened to contact someone or share information improperly5 (%)
Cont'd attempts collect debt not owed10 (%)
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 | 83 |
| Written notification about debt | Didn't receive enough information to verify debt | 71 |
| Attempts to collect debt not owed | Debt was result of identity theft | 39 |
| False statements or representation | Attempted to collect wrong amount | 32 |
| Written notification about debt | Didn't receive notice of right to dispute | 29 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 25 |
| Attempts to collect debt not owed | Debt was paid | 17 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
Where do complaints against Merchants Adjustment Service, Inc. come from?
The states where consumers have filed the most CFPB complaints against Merchants Adjustment Service, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Merchants Adjustment Service, Inc.
Across 18 states with at least one filing
- Alabama
Alabama
103 complaints
- South Carolina
South Carolina
73 complaints
- Georgia
Georgia
45 complaints
- Florida 34
Florida
34 complaints
- Mississippi 30
Mississippi
30 complaints
- Kentucky 10
Kentucky
10 complaints
- Kansas 9
Kansas
9 complaints
- North Carolina 7
North Carolina
7 complaints
Frequently Asked Questions
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 336 complaints filed with the CFPB.
Are complaints against Merchants Adjustment Service, Inc. increasing or decreasing? ▼
Complaints against Merchants Adjustment Service, Inc. are rising. The company received 66 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Merchants Adjustment Service, Inc.'s reputation grade? ▼
Merchants Adjustment Service, Inc. has a reputation grade of D (score: 56.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (103 complaints).
What can I do if Merchants Adjustment Service, Inc. 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 Merchants Adjustment Service, Inc. 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 |