What is the most common complaint against Modern Adjustment Bureau?

The most common issue consumers report about Modern Adjustment Bureau is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 91 complaints filed with the CFPB.

Are complaints against Modern Adjustment Bureau increasing or decreasing?

Complaints against Modern Adjustment Bureau are rising. The company received 33 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Modern Adjustment Bureau's reputation grade?

Modern Adjustment Bureau has a reputation grade of D (score: 54.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Modern Adjustment Bureau respond to consumer complaints?

Modern Adjustment Bureau has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.

In how many states does Modern Adjustment Bureau operate?

Modern Adjustment Bureau has received CFPB complaints from consumers in 6 states, with the most complaints from Texas (45 complaints).

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

Modern Adjustment Bureau - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade D.

Compiled by PlainCollector

Took or threatened to take negative or legal action

30
Attempts to collect debt not owed

26
False statements or representation

14
Communication tactics

5
Improper contact or sharing of info

5
Written notification about debt

4

Data updated September 2026

CFPB complaint disposition

CCDB record modern-adjustment-bureau Modern Adjustment Bureau

Grade D · 91 CFPB filings · 97% timely · lead issue: Took or threatened to take negative or legal action · vol #855 · compose #3446

VOL 91
GRADE D
12MO 33
STATES 6
TIMELY 97%
DISPUTE 33%
ISSUE Took or threatened to take…
RANK #855
COMPOSE #3,446

Volume peers

Nearest volume peer: American Capital Enterprises, Inc. (91 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Modern Adjustment Bureau's 91 CFPB complaints sit next to American Capital Enterprises, Inc. 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

49.5% of Modern Adjustment Bureau's CFPB filings land in Texas

High volume does not equal a clean composite: Modern Adjustment Bureau is volume #855 but composite #3,446, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 49.5%; 45 of 91 filings · 6 states touched
Seasonal peak: 2024-05 9.2%; 8–15% band · 8 filings
Divergent corpus ranks: #855 volume; #3,446 composite; Cleanest-composite ladder is 2,591 places worse than volume

How does Modern Adjustment Bureau compare to its peers?

How does Modern Adjustment Bureau compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Modern Adjustment Bure… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

97%

87%

91%

Consumer-dispute ratelower is better

33%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	30
Attempts to collect debt not owed	26
False statements or representation	14
Communication tactics	5
Improper contact or sharing of info	5
Written notification about debt	4
Disclosure verification of debt	4
Cont'd attempts collect debt not owed	3

Where do complaints against Modern Adjustment Bureau come from?

Modern Adjustment Bureau's own per-state count, not a national baseline.

Texas

45
California

40
Michigan

3
Arizona

1
Nevada

1
Oklahoma

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Modern Adjustment Bureau: 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: 91.

4 peers

Know your rights before responding to Modern Adjustment Bureau: 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.