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

CFPB complaint data Grade D 91 complaints

Modern Adjustment Bureau - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade D.

Complaints by issue type

What consumers report about Modern Adjustment Bureau

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.5/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Modern Adjustment Bureau ranks ahead of 33% of the 5,283 collectors PlainCollector grades - 67% keep a cleaner CFPB record, on 91 all-time complaints and a 97% timely-response rate.

33rd pct
reputation rank of 5,283 graded collectors
91
CFPB complaints, all-time
97%
answered inside the CFPB window
33
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 Modern Adjustment Bureau?

Modern Adjustment Bureau has accumulated 91 total CFPB complaints across 6 states, with 33 filed in the most recent 12 months against 58 historical complaints before that window. The trailing-12-month volume represents 36.3% 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 97% timely-response rate against a 33% consumer-dispute-after-response rate.

Complaints have been recorded across 6 states, led by Texas with 45 and California with 40. Normalized against the full CFPB collector database, the reputation score of 57.5/100 places Modern Adjustment Bureau in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

91

low-volume (CCDB)

Last 12 months

33

36.3% of all-time complaints

Rising ↑

States active

6

regional footprint

Timely response rate

97%

excellent band

Consumer disputes

33%

high (vertical avg ~19%)

Reputation grade

D

57.5/100 composite

How does Modern Adjustment Bureau's reputation rank nationally?

Reputation score vs. every graded collector

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

58 33rd percentile higher than 33% 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%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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

Modern Adjustment Bureau versus the debt-collection vertical average.

Timely response within SLA 97.4%
Vertical avg

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

Consumer dispute rate (post-response) 33.3%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 10.7%

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

How does Modern Adjustment Bureau compare to its peers?

How does Modern Adjustment Bureau compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Modern Adjustment Bure… National average
Complaints (last 12 mo)lower is better
33
0
268
Timely-response ratehigher is better
97%
87%
91%
Consumer-dispute ratelower is better
33%
6%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-03

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Modern Adjustment Bureau

Across 6 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Modern Adjustment Bureau contacts you

A grade of D signals how Modern Adjustment Bureau'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 Modern Adjustment Bureau 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 Modern Adjustment Bureau 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 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: 57.5/100), 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).

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.