Data / Consumer complaints / Modern Adjustment Bureau
Modern Adjustment Bureau: 70 CFPB consumer complaints in the last 3 years
Modern Adjustment Bureau drew 70 consumer complaints in the CFPB database in the three years to November 6, 2026, and 112 since 2014. The largest group, 61, was about debt collection, and the most common issue was “Took or threatened to take negative or legal action” with 32. The company responded on time to 100.0% of the complaints, and 12.9% closed with monetary or other relief.
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- 70Complaints, last 3 years
- 112Complaints, all years
- 100.0%Responded on time
- 12.9%Closed with relief
- 3Products
- Oct 19, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 23 |
| 2025 | 39 |
| 2024 | 8 |
| 2023 | 4 |
| 2022 | 2 |
| 2021 | 2 |
| 2020 | 3 |
| 2019 | 1 |
| 2018 | 9 |
| 2017 | 5 |
| 2016 | 6 |
| 2015 | 5 |
| 2014 | 5 |
Products
Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.
| Product | Complaints | Share |
|---|---|---|
| Debt collection | 61 | 87.1% |
| Credit reporting or other personal consumer reports | 8 | 11.4% |
| Vehicle loan or lease | 1 | 1.4% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Took or threatened to take negative or legal action | 32 | 45.7% |
| Attempts to collect debt not owed | 17 | 24.3% |
| False statements or representation | 8 | 11.4% |
| Incorrect information on your report | 3 | 4.3% |
| Problem with a company's investigation into an existing problem | 3 | 4.3% |
| Written notification about debt | 3 | 4.3% |
| Improper use of your report | 2 | 2.9% |
| Communication tactics | 1 | 1.4% |
| Getting a loan or lease | 1 | 1.4% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 61 | 87.1% |
| Closed with non-monetary relief | 9 | 12.9% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 53 | 75.7% |
| California | 12 | 17.1% |
| Georgia | 2 | 2.9% |
| Arizona | 1 | 1.4% |
| Louisiana | 1 | 1.4% |
| Michigan | 1 | 1.4% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 19, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 25, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 4, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| July 29, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| July 10, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| June 20, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with non-monetary relief | consumerfinance.gov |
| June 16, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| June 14, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 21, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with non-monetary relief | consumerfinance.gov |
| May 21, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 10, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with non-monetary relief | consumerfinance.gov |
| May 7, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| April 28, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| April 21, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| April 21, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| April 15, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| March 28, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| March 27, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| March 26, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| March 10, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| February 10, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| January 6, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| January 1, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| December 9, 2025 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| December 6, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| December 3, 2025 | Debt collection | Written notification about debt | Closed with non-monetary relief | consumerfinance.gov |
| November 23, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with non-monetary relief | consumerfinance.gov |
| November 11, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 30, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 21, 2025 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| October 6, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 29, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 28, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 11, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 4, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 3, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 27, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 19, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with non-monetary relief | consumerfinance.gov |
| August 12, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| August 7, 2025 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| August 5, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| July 10, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| July 3, 2025 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| June 26, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| June 22, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| June 16, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| June 7, 2025 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| May 24, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 22, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| May 21, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Debt collection complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Vehicle loan or lease complaints
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- Consumer complaints in California
- Consumer complaints in Georgia
- All consumer complaints
Updated November 7, 2026. Read from CFPB Consumer Complaint Database. 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.