Mercantile Adjustment Bureau, LLC
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 21 |
| 2014 | 68 |
| 2015 | 57 |
| 2016 | 39 |
| 2017 | 47 |
| 2018 | 41 |
| 2019 | 49 |
| 2020 | 48 |
| 2021 | 40 |
| 2022 | 43 |
| 2023 | 99 |
| 2024 | 78 |
| 2025 | 38 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Mercantile Adjustment Bureau, LLC
Mercantile Adjustment Bureau, LLC has 594 debt-collection complaints on file with the CFPB, which represents 88.9% of the 668 total complaints the Bureau has received about this entity. Reports have originated from consumers in 44 states and territories, making this a nationwide collection operation as measured by complaint volume. The most common debt type behind these complaints is "Other debt," which is the category consumers most often describe when they file a CFPB report about this collector. The specific issue named most is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction with this collector.
Within the Bureau's 15-day response window, this company answers 100% of forwarded complaints. That clears the industry benchmark, a sign the intake process is functioning on schedule. Among resolved cases, 0.4% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. Consumers formally disputed the company's response in 20.8% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Mercantile Adjustment Bureau, LLC have?
Mercantile Adjustment Bureau, LLC has 594 debt collection complaints filed with the CFPB, representing 88.9% of all complaints against this company.
Does Mercantile Adjustment Bureau, LLC respond to complaints on time?
100% of the CFPB complaints against Mercantile Adjustment Bureau, LLC get a response within the expected window. That is a strong response record by CFPB standards.
Does Mercantile Adjustment Bureau, LLC provide relief to consumers?
Of resolved complaints against Mercantile Adjustment Bureau, LLC, 0.4% ended with consumer relief of some kind.
What type of debt does Mercantile Adjustment Bureau, LLC primarily collect?
Based on CFPB complaint records, Mercantile Adjustment Bureau, LLC's primary debt type is "Other debt"; the complete breakdown is shown above.
What rights do I have against Mercantile Adjustment Bureau, LLC?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Mercantile Adjustment Bureau, LLC active?
Consumers in 44 states and territories have filed CFPB complaints against Mercantile Adjustment Bureau, LLC.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.