Mercantile Adjustment Bureau, LLC
668 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Mercantile Adjustment Bureau, LLC complaint mix by product
- Debt collection 594 89.5% – 1% relief
- Credit reporting, 42 6.3% – 0% relief
- Credit reporting 19 2.9% – 0% relief
- Credit card 3 0.5% – 0% relief
- Consumer Loan 3 0.5% – 0% relief
- Student loan 2 0.3% – 0% relief
- Debt or 1 0.2% – 0% relief
How Mercantile Adjustment Bureau, LLC's 668 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 594 |
| Credit reporting, credit repair services, or other personal consumer reports | 42 |
| Credit reporting or other personal consumer reports | 19 |
| Credit card | 3 |
| Consumer Loan | 3 |
| Student loan | 2 |
| Debt or credit management | 1 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Checking or savings account | 1 |
| Vehicle loan or lease | 1 |
| Credit card or prepaid card | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 170 |
| NY | 80 |
| OH | 45 |
| FL | 45 |
| NJ | 39 |
| CA | 36 |
| GA | 26 |
| PA | 25 |
| NC | 15 |
| VA | 13 |
| AZ | 12 |
| OR | 11 |
| MA | 11 |
| LA | 11 |
| MD | 10 |
| MI | 10 |
| SC | 9 |
| IL | 8 |
| CT | 8 |
| MO | 7 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 211 |
| Cont'd attempts collect debt not owed | 100 |
| Written notification about debt | 79 |
| Communication tactics | 69 |
| Disclosure verification of debt | 44 |
| False statements or representation | 43 |
| Incorrect information on your report | 36 |
| Took or threatened to take negative or legal action | 20 |
| Improper use of your report | 14 |
| Improper contact or sharing of info | 10 |
| Taking/threatening an illegal action | 8 |
| Problem with a credit reporting company's investigation into an existing problem | 7 |
| Electronic communications | 5 |
| Threatened to contact someone or share information improperly | 5 |
| Problem with a company's investigation into an existing problem | 3 |
| Problems when you are unable to pay | 2 |
| Excessive fees | 1 |
| Didn't provide services promised | 1 |
| Confusing or missing disclosures | 1 |
| Dealing with my lender or servicer | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 21 | 100% |
| 2014 | 68 | 100% |
| 2015 | 57 | 100% |
| 2016 | 39 | 100% |
| 2017 | 47 | 100% |
| 2018 | 41 | 100% |
| 2019 | 49 | 100% |
| 2020 | 48 | 100% |
| 2021 | 40 | 100% |
| 2022 | 43 | 100% |
| 2023 | 99 | 100% |
| 2024 | 78 | 100% |
| 2025 | 38 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Mercantile Adjustment Bureau, LLC
Mercantile Adjustment Bureau, LLC's 668 logged complaints reach a nationwide footprint - 44 states have at least one filing on record. Only 37% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2013 through 2025-08-11.
Mercantile Adjustment Bureau, LLC answers 100% of complaints inside the CFPB's tracked window and closes 99.3% with a written explanation. 0.4% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Mercantile Adjustment Bureau, LLC.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does Mercantile Adjustment Bureau, LLC have?
668, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Mercantile Adjustment Bureau, LLC respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Mercantile Adjustment Bureau, LLC?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.