Merchants Adjustment Service, Inc.
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Medical debt
CFPB collection forwarding receipt
Forwarded record DC-MERCHANTS-ADJUSTME Merchants Adjustment Service, Inc.
336 DC complaints · rank #240/656 · 99.1% timely
- DC 336
- RANK #240/656
- TIMELY 99.1%
- RELIEF 0.2%
- DISPUTE 23.5%
- STATES 18
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO F.H. Cann & Associates, Inc.
Volume peers
Photo peer: F.H. Cann & Associates, Inc. (333)
Merchants Adjustment Service, Inc.'s 336 debt-collection complaints sit next to F.H. Cann & Associates, Inc. (333) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Merchants Adjustment Servic… →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 4 |
| 2016 | 13 |
| 2017 | 6 |
| 2018 | 27 |
| 2019 | 24 |
| 2020 | 39 |
| 2021 | 61 |
| 2022 | 51 |
| 2023 | 35 |
| 2024 | 65 |
| 2025 | 111 |
| 2026 | 16 |
Complaints by State (Top 15)
What the CFPB Record Shows for Merchants Adjustment Service, Inc.
According to the CFPB Consumer Complaint Database as aggregated by PlainCredit, Merchants Adjustment Service, Inc. ranks #240 of 656 debt collectors by debt-collection complaint volume (64th percentile), using the same dc_complaints sort as the Collectors directory. Merchants Adjustment Service, Inc. has 336 debt-collection complaints on file with the CFPB, which represents 74.3% of the 452 total complaints the Bureau has received about this entity. Reports have originated from consumers in 18 states and territories, making this a multi-state collection operation as measured by complaint volume. The most common debt type behind these complaints is "Medical 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.
99.1% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That is at or above benchmark levels, pointing to an intake process working as intended. Among resolved cases, 0.2% 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 23.5% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for Merchants Adjustment Service, Inc. → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Merchants Adjustment Service, Inc.: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (336 here).
Similar dispute rates
Nearest collectors by share of complaints marked disputed (23.5% here).
Frequently asked questions
How many CFPB debt-collection complaints does Merchants Adjustment Service, Inc. have?
336 debt-collection complaints name Merchants Adjustment Service, Inc. in this CFPB extract - corpus rank #240/656.
Does Merchants Adjustment Service, Inc. respond to CFPB complaints on time?
Merchants Adjustment Service, Inc.'s timely response rate on CFPB complaints is 99.1%.
What issue do consumers cite most about Merchants Adjustment Service, Inc.?
Consumers most often name "Attempts to collect debt not owed" when complaining about Merchants Adjustment Service, Inc..
How should I read Merchants Adjustment Service, Inc.'s CFPB complaint record?
Merchants Adjustment Service, Inc.'s profile is a CFPB data extract for research. For rights and filing mechanics, use the debt-collection rights and how-to-file-CFPB-complaint guides on this site.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
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.