CFPB Consumer Complaint Profile
Merchants Adjustment Service, Inc.
Behind the 452 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 452
- Total complaints
- Above average
- 102
- Last 12 months
- 99.1%
- Timely response
- Above median
- 18
- States affected
The verdict
452 CFPB complaints put Merchants Adjustment Service, Inc. at #537 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 99.1%, the 62nd percentile among companies with 100+ complaints.
- #537
- of 3,843 companies by volume
- 99.1%
- on time (62nd pctile)
- Debt collection
- most-complained product
- 18
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Merchants Adjustment Service, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.1% Higher than most higher than 62% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 65 in 2024 to 111 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
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 |
| 2026year in progress | 16 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Merchants Adjustment Service, Inc.
The CFPB Consumer Complaint Database has logged 452 complaints against Merchants Adjustment Service, Inc. overall, with 102 of those filed in the trailing 12 months. Reports have come from consumers in 18 states and territories, making this a multi-regional 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.
CFPB-forwarded complaints against Merchants Adjustment Service, Inc. draw a 99.1% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response at a 23.5% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 0.2%.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 Merchants Adjustment Service, Inc. have?
The CFPB has logged 452 complaints against Merchants Adjustment Service, Inc. to date, of which 102 came in over the last 12 months.
Does Merchants Adjustment Service, Inc. respond to complaints on time?
Merchants Adjustment Service, Inc. has a 99.1% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Merchants Adjustment Service, Inc.?
Among all products tied to Merchants Adjustment Service, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Merchants Adjustment Service, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Merchants Adjustment Service, Inc. - see all issues and counts above.
How do I file a complaint against Merchants Adjustment Service, Inc.?
You can file a complaint against Merchants Adjustment Service, Inc. 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 Merchants Adjustment Service, Inc.?
The CFPB has recorded complaints against Merchants Adjustment Service, Inc. from 18 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Merchants Adjustment Service, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (23.5% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Merchants Adjustment Service, Inc. have?
The CFPB has logged 452 complaints against Merchants Adjustment Service, Inc. to date, of which 102 came in over the last 12 months.
Does Merchants Adjustment Service, Inc. respond to complaints on time?
Merchants Adjustment Service, Inc. has a 99.1% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Merchants Adjustment Service, Inc.?
Among all products tied to Merchants Adjustment Service, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Merchants Adjustment Service, Inc.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Merchants Adjustment Service, Inc. - see all issues and counts above.
How do I file a complaint against Merchants Adjustment Service, Inc.?
You can file a complaint against Merchants Adjustment Service, Inc. 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 Merchants Adjustment Service, Inc.?
The CFPB has recorded complaints against Merchants Adjustment Service, Inc. from 18 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.