Merchants Adjustment Service, Inc.
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Medical 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 |
|---|---|
| 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)
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 Merchants Adjustment Service, Inc.
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.
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 Merchants Adjustment Service, Inc. have?
336 debt-collection complaints against Merchants Adjustment Service, Inc. appear in the CFPB record - 74.3% of the company's total complaint volume.
Does Merchants Adjustment Service, Inc. respond to complaints on time?
Merchants Adjustment Service, Inc. has a 99.1% timely response rate. This is considered excellent.
Does Merchants Adjustment Service, Inc. provide relief to consumers?
Of resolved complaints against Merchants Adjustment Service, Inc., 0.2% ended with consumer relief of some kind.
What type of debt does Merchants Adjustment Service, Inc. primarily collect?
Based on CFPB complaint records, Merchants Adjustment Service, Inc.'s primary debt type is "Medical debt"; the complete breakdown is shown above.
What rights do I have against Merchants Adjustment Service, Inc.?
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 Merchants Adjustment Service, Inc. active?
Consumers in 18 states and territories have filed CFPB complaints against Merchants Adjustment Service, Inc..
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.