CFPB Consumer Complaint Profile
Mercantile Adjustment Bureau, LLC
Consumers have filed 668 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 668
- Total complaints
- 15
- Last 12 months
- 100%
- Timely response
- 44
- States affected
The verdict
668 CFPB complaints put Mercantile Adjustment Bureau, LLC at #433 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 100%, ahead of the 93% median among companies with 100+ complaints.
- #433
- of 3,848 companies by volume
- 100%
- answered on time
- Debt collection
- most-complained product
- 44
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for Mercantile Adjustment Bureau, LLC
The CFPB Consumer Complaint Database has logged 668 complaints against Mercantile Adjustment Bureau, LLC overall, with 15 of those filed in the trailing 12 months. Reports have come from consumers in 44 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Mercantile Adjustment Bureau, LLC answers 100% of forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response in 20.8% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0.4% closed with the consumer receiving monetary or non-monetary relief.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Mercantile Adjustment Bureau, LLC have?
The CFPB has logged 668 complaints against Mercantile Adjustment Bureau, LLC to date, of which 15 came in over the last 12 months.
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.
What product generates the most complaints for Mercantile Adjustment Bureau, LLC?
Among all products tied to Mercantile Adjustment Bureau, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Mercantile Adjustment Bureau, LLC?
The most common issue reported by consumers about Mercantile Adjustment Bureau, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Mercantile Adjustment Bureau, LLC?
You can file a complaint against Mercantile Adjustment Bureau, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Mercantile Adjustment Bureau, LLC?
The CFPB has recorded complaints against Mercantile Adjustment Bureau, LLC from 44 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~668)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.