CFPB Consumer Complaint Profile
Modern Adjustment Bureau
What 93 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 93
- Total complaints
- Mid-range
- 36
- Last 12 months
- 96.8%
- Timely response
- Below median
- 7
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Modern Adjustment Bureau has accumulated 93 complaints, placing it #1371 by volume. Its on-time response rate is 96.8%, the 38th percentile among companies with 100+ complaints.
- #1371
- of 3,843 companies by volume
- 96.8%
- on time (38th pctile)
- Debt collection
- most-complained product
- 7
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Modern Adjustment Bureau vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.8% Around the middle higher than 38% 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 8 in 2024 to 39 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 |
|---|---|
| 2014 | 5 |
| 2015 | 5 |
| 2016 | 6 |
| 2017 | 5 |
| 2018 | 9 |
| 2019 | 1 |
| 2020 | 3 |
| 2021 | 2 |
| 2022 | 2 |
| 2023 | 4 |
| 2024 | 8 |
| 2025 | 39 |
| 2026year in progress | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Modern Adjustment Bureau
Modern Adjustment Bureau carries 93 complaints in the CFPB's database, 36 of them filed within the past 12 months. Consumers spanning 7 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Modern Adjustment Bureau draw a 96.8% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. The company's response carried a 31.6% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, 23.7% closed with some form of monetary or non-monetary relief to the consumer.
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 Modern Adjustment Bureau have?
93 complaints have been filed against Modern Adjustment Bureau with the CFPB overall - 36 of them in the past year.
Does Modern Adjustment Bureau respond to complaints on time?
Modern Adjustment Bureau has a 96.8% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Modern Adjustment Bureau?
"Debt collection" draws more CFPB complaints against Modern Adjustment Bureau than any other product - see the full breakdown above.
What is the most common complaint issue with Modern Adjustment Bureau?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Modern Adjustment Bureau - see all issues and counts above.
How do I file a complaint against Modern Adjustment Bureau?
You can file a complaint against Modern Adjustment Bureau 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 Modern Adjustment Bureau?
Consumers in 7 states and territories have filed complaints about Modern Adjustment Bureau with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Modern Adjustment Bureau: 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 (31.6% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Modern Adjustment Bureau have?
93 complaints have been filed against Modern Adjustment Bureau with the CFPB overall - 36 of them in the past year.
Does Modern Adjustment Bureau respond to complaints on time?
Modern Adjustment Bureau has a 96.8% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Modern Adjustment Bureau?
"Debt collection" draws more CFPB complaints against Modern Adjustment Bureau than any other product - see the full breakdown above.
What is the most common complaint issue with Modern Adjustment Bureau?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Modern Adjustment Bureau - see all issues and counts above.
How do I file a complaint against Modern Adjustment Bureau?
You can file a complaint against Modern Adjustment Bureau 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 Modern Adjustment Bureau?
Consumers in 7 states and territories have filed complaints about Modern Adjustment Bureau with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.