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Data / Consumer complaints / Mercantile Adjustment Bureau, LLC / Debt collection

Mercantile Adjustment Bureau, LLC: 114 CFPB complaints about debt collection, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Mercantile Adjustment Bureau, LLC drew 114 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 85.7% of its 133 complaints in that time. The most common issue was “Attempts to collect debt not owed”. The company responded on time to 100.0% of them, and 0.0% closed with monetary or other relief.

The request: Watch Mercantile Adjustment Bureau, LLC: each new CFPB complaint about debt collection by issue, with the date and the company response. $10 of work on sign-up, no card.

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SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 114Complaints, last 3 years
  • 85.7%Share of the company's complaints
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • Aug 11, 2025Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 202600%
12 months to Nov 6, 20254035.1%
12 months to Nov 6, 20247464.9%

Issues

IssueComplaintsShare
Attempts to collect debt not owed6557%
Written notification about debt1714.9%
False statements or representation1412.3%
Communication tactics65.3%
Took or threatened to take negative or legal action65.3%
Electronic communications54.4%
Threatened to contact someone or share information improperly10.9%

How the company responded

Company responseComplaintsShare
Closed with explanation114100%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Texas4136%
Florida108.8%
Ohio108.8%
California76.1%
Georgia65.3%
Pennsylvania54.4%
New York32.6%
Virginia32.6%
Arizona21.8%
Colorado21.8%
Louisiana21.8%
Maryland21.8%
Michigan21.8%
New Jersey21.8%
Nevada21.8%
Wisconsin21.8%
Alabama10.9%
Arkansas10.9%
District of Columbia10.9%
Illinois10.9%
Kansas10.9%
Minnesota10.9%
Missouri10.9%
Mississippi10.9%
North Carolina10.9%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
August 11, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 7, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 4, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
June 24, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 18, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 7, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 6, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 22, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 14, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 30, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 9, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
April 9, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
March 24, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 20, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 10, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 27, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
February 27, 2025Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
February 21, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 19, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 19, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 19, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 17, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 14, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
February 11, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
February 2, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.