Merchants Adjustment Service, Inc.
469 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.
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Merchants Adjustment Service, Inc.
Merchants Adjustment Service, Inc.'s 469 logged complaints stay concentrated: only 18 states show a filing on record. Only 38.2% of filings carry a written consumer narrative, so most of this record is coded categories rather than the 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..
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 Merchants Adjustment Service, Inc. have?
469, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Merchants Adjustment Service, Inc. respond to complaints on time?
99.1% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Merchants Adjustment Service, Inc.?
"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.