Total CFPB complaints
78
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 78 complaints
Modern Adjustment Bureau — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Modern Adjustment Bureau
- Attempts to collect debt not owed
Attempts to collect debt not owed
22 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
20 complaints
- False statements or representation
False statements or representation
13 complaints
- Disclosure verification of debt 4
Disclosure verification of debt
4 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Communication tactics 2
Communication tactics
2 complaints
D
Grade D · 57.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Modern Adjustment Bureau?
Modern Adjustment Bureau has accumulated 78 total CFPB complaints across 6 states, with 31 filed in the most recent 12 months against 47 historical complaints before that window. The trailing-12-month volume represents 39.7% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 33% 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 6 states, led by California with 37 and Texas with 35, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.5/100 places Modern Adjustment Bureau 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
31
39.7% of total history
Rising ↑
States active
6
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
D
57.5/100 composite
Response-quality profile
How Modern Adjustment Bureau performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 66.7%
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?
Modern Adjustment Bure… 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)
2022-06 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action20 (%)
False statements or representation13 (%)
Attempts to collect debt not owed22 (%)
Disclosure verification of debt4 (%)
Written notification about debt3 (%)
Communication tactics2 (%)
Improper contact or sharing of info2 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 20 |
| False statements or representation | Attempted to collect wrong amount | 13 |
| Attempts to collect debt not owed | Debt is not yours | 10 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Communication tactics | Called after sent written cease of comm | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Improper contact or sharing of info | Contacted me after I asked not to | 2 |
Where do complaints against Modern Adjustment Bureau come from?
The states where consumers have filed the most CFPB complaints against Modern Adjustment Bureau. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Modern Adjustment Bureau
Across 6 states with at least one filing
- California
California
37 complaints
- Texas
Texas
35 complaints
- Michigan 3
Michigan
3 complaints
- Oklahoma 1
Oklahoma
1 complaints
- Nevada 1
Nevada
1 complaints
- Arizona 1
Arizona
1 complaints
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 78 complaints filed with the CFPB.
Are complaints against Modern Adjustment Bureau increasing or decreasing? ▼
Complaints against Modern Adjustment Bureau are rising. The company received 31 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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 California (37 complaints).
What can I do if Modern Adjustment Bureau 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 Modern Adjustment Bureau 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 |