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 2026-05-15
- 452
- Total complaints
- 102
- Last 12 months
- 99.1%
- Timely response
- 18
- States affected
The verdict
452 CFPB complaints put Merchants Adjustment Service, Inc. at #538 out of 3,848 financial companies ranked by complaint volume. Its on-time response rate is 99.1%, ahead of the 93% median among companies with 100+ complaints.
- #538
- of 3,848 companies by volume
- 99.1%
- answered on time
- Debt collection
- most-complained product
- 18
- 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 |
|---|---|
| 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)
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.
99.1% of CFPB-forwarded complaints against Merchants Adjustment Service, Inc. get a reply 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 in 23.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0.2% 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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~452)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.