CFPB · Single-product concentration
Merchants Adjustment Service, Inc.
469 CFPB complaints · 74.8% in "Debt collection" · top issue Attempts to collect debt not owed.
Merchants Adjustment Service, Inc.: 74.8% of 469 CFPB complaints sit in "Debt collection". Timely 99.1% · relief 0.2%. Allegations, not findings.
- Single-product concentration
- +725% filings 2015 to 2026
CFPB relief outcome brief
CCDB company merchants-adjustment-service-inc
0.2% relief · 99.1% timely · 469 filings · Debt collection
Same-product relief peers
Nearest relief peer: NCB Management Services Inc. (0.2% relief)
Merchants Adjustment Service, Inc. closes 0.2% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 469 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Merchants Adjustment Service, Inc. complaint mix by product
- Debt collection 351 74.8% – 0% relief
- Credit reporting 72 15.4% – 0% relief
- Credit reporting, 46 9.8% – 0% relief
How Merchants Adjustment Service, Inc.'s 469 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 351 |
| Credit reporting or other personal consumer reports | 72 |
| Credit reporting, credit repair services, or other personal consumer reports | 46 |
Where Merchants Adjustment Service, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- AL
- 30.3% of this company's filings
Merchants Adjustment Service, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 33
- +725% vs 2015
Top States
| State | Complaints |
|---|---|
| AL | 142 |
| SC | 94 |
| GA | 63 |
| FL | 49 |
| MS | 39 |
| KY | 23 |
| KS | 10 |
| NC | 9 |
| LA | 9 |
| TX | 7 |
| IL | 6 |
| MI | 5 |
| TN | 3 |
| CA | 3 |
| NY | 2 |
| OH | 2 |
| MO | 1 |
| NV | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 146 |
| Written notification about debt | 103 |
| Incorrect information on your report | 57 |
| False statements or representation | 36 |
| Took or threatened to take negative or legal action | 31 |
| Improper use of your report | 26 |
| Problem with a credit reporting company's investigation into an existing problem | 18 |
| Problem with a company's investigation into an existing problem | 17 |
| Cont'd attempts collect debt not owed | 10 |
| Communication tactics | 9 |
| Threatened to contact someone or share information improperly | 6 |
| Electronic communications | 4 |
| Disclosure verification of debt | 4 |
| Improper contact or sharing of info | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 4 | 100% |
| 2016 | 13 | 100% |
| 2017 | 6 | 100% |
| 2018 | 27 | 100% |
| 2019 | 24 | 100% |
| 2020 | 39 | 100% |
| 2021 | 61 | 100% |
| 2022 | 51 | 94.1% |
| 2023 | 35 | 97.1% |
| 2024 | 65 | 100% |
| 2025 | 111 | 100% |
| 2026 | 33 | 100% |
Source: CFPB Consumer Complaint Database
Merchants Adjustment Service, Inc. filings cluster in one product
Merchants Adjustment Service, Inc.'s 469 logged complaints stay concentrated: only 18 states show a filing. Only 38.2% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2015 through 2026-06-25.
Merchants Adjustment Service, Inc. answers 99.1% of complaints inside the CFPB's tracked window and closes 99.1% with a written explanation. 0.2% 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 Merchants Adjustment Service, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Merchants Adjustment Service, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 469.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.1%.
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.
Data sourced from official public datasets for Merchants Adjustment Service, Inc. (99.1% timely; 0.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration