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

CFPB complaint data Grade F 167 complaints

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade F.

Complaints by issue type

What consumers report about Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 20.2/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates ranks ahead of 0% of the 5,283 collectors PlainCollector grades - 100% keep a cleaner CFPB record, on 167 all-time complaints and a 6% timely-response rate.

0th pct
reputation rank of 5,283 graded collectors
167
CFPB complaints, all-time
6%
answered inside the CFPB window
108
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates?

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates has accumulated 167 total CFPB complaints across 23 states, with 108 filed in the most recent 12 months against 59 historical complaints before that window. The trailing-12-month volume represents 64.7% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 6% timely-response rate.

Complaints have been recorded across 23 states, led by Georgia with 80 and Texas with 16. Normalized against the full CFPB collector database, the reputation score of 20.2/100 places Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

167

mid-volume (CCDB)

Last 12 months

108

64.7% of all-time complaints

Rising ↑

States active

23

multi-region footprint

Timely response rate

6%

below sla band

Reputation grade

F

20.2/100 composite

How does Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

20 Bottom 1% higher than 0% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). This entry sits in this band. 30–40: 160 graded collectors (3%). Above this entry. 40–50: 583 graded collectors (11%). Above this entry. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates versus the debt-collection vertical average.

Timely response within SLA 6.2%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 41.1%

Share of US states + territories with at least one filed complaint against this collector.

How does Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates compare to its peers?

How does Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Merchants & Medical Ad… National average
Complaints (last 12 mo)lower is better
108
7
268
Timely-response ratehigher is better
6%
61%
91%
Consumer-dispute ratelower is better
0%
22%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-12 2017-04

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 66
Attempts to collect debt not owed - 58
False statements or representation - 19
Written notification about debt - 18
Electronic communications - 4
Communication tactics - 2

Where do complaints against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates come from?

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates's own per-state count, not a national baseline.

Top states by complaints against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates

Across 23 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates contacts you

A grade of F signals how Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates? ▼

The most common issue consumers report about Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 167 complaints filed with the CFPB.

Are complaints against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates increasing or decreasing? ▼

Complaints against Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates are rising. The company received 108 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates's reputation grade? ▼

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates has a reputation grade of F (score: 20.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates respond to consumer complaints? ▼

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates has a 6% timely response rate to CFPB complaints.

In how many states does Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates operate? ▼

Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates has received CFPB complaints from consumers in 23 states, with the most complaints from Georgia (80 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.