Complaints

This profile includes complaints for Mercantile Adjustment Bureau LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Mercantile Adjustment Bureau LLC

  165 Lawrence Bell Dr Ste 100 Buffalo, NY 14221-7900

• 

  Mercantile Adjustment Bureau LLC

  6390 Main Street Suite #160 Williamsville, NY 14221

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I’m sorry but I do not see the response from Metchantile. Can you attach again? 
  
  Regards, 
  
  ****** ***

  Business Response

  Date: 07/22/2025

  Please see attached response.

  Business Response

  Date: 07/22/2025

  Dear *****: Thank you for bringing this matter to our attention. I investigated this complaint regarding an account placed with Mercantile Adjustment Bureau, LLC and this is the first notification that attempts were made to a phone number which was the wrong phone. The recipient was not the intended individual whom Mercantile was attempting to contact and the phone number has been removed as a wrong number. We apologize for any inconvenience that this may have caused. 

  Customer Answer

  Date: 07/22/2025

  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that they are still scamming. I never provided the two phone numbers that I called. But yet they claim that I called wrong numbers. One of the numbers that I called was listed on their website. I am happy that they will not be calling me, but based on other BBB complaints, this is how they operate. It’s a scam! 
  
  Regards, 
  
  ****** ***

• Initial Complaint

  Date:06/22/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.    They need to respond only through bbb at this point 
  
  Regards, 
  
  ******** ********

  Business Response

  Date: 06/23/2025

   Thank you for bringing this matter to our attention.  I investigated this complaint regarding an account placed with Mercantile Adjustment Bureau, LLC by our client. This is first notification of a dispute that our office received on this account. An initial letter was mailed to the service address on March 18, 2025. The account has been placed in dispute status in Mercantile's internal system of record, the credit bureaus have been updated of the dispute and verification documents will be mailed to the address provided in the complaint.  We apologize for any inconvenience that this may have caused.  Sincerely.  Daniel Frisicaro Chief Compliance Officer

• Initial Complaint

  Date:06/10/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.  
  
  Regards, 
  
  ****** *****

  Business Response

  Date: 06/11/2025

  Thank you for bringing this matter to our attention. I investigated this complaint regarding an account placed with Mercantile Adjustment Bureau, LLC by our client.  Mercantile denies harassment and attempted to authenticate that we were speaking to the correct individual so that personal information would not be disclosed to the wrong person.  The phone number has been removed and there will be no further communication from our office. We apologize for any inconvenience that this may have caused. Sincerely,  Daniel *********  Chief Compliance Officer 

• Initial Complaint

  Date:05/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a collection letter from Mercantile Adjustment Bureau, LLC on 05/03/2025
  referencing they were trying to collect a bill for a company called ********. Both companies I have never heard of or have done business with. The amount they are trying to scam from me is $1863.26. I looked up both companies on your site. ******** is a Native American business in North Dakota. I have never heard of them. I believe one of these companies aforementioned are trying to commit mail fraud upon me through the mail. I have kept the letter and the envelope. Please help me with this and advise me if you are able to do so. I will also be in contact with my lawyer.

  Business Response

  Date: 05/06/2025

  Thank you for bringing this matter to our attention. I investigated this complaint regarding an account placed with Mercantile Adjustment Bureau, LLC by our client. Per the consumer's request, the account has been closed in our office and returned to our client. Mercantile denies any violations and there will be no further communication from our office. We apologize for any inconvenience that this may have caused. Sincerely, Daniel ******** Chief Compliance Officer 

• Initial Complaint

  Date:04/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I continue to receive texts from Mercantile Debt Collectors regarding some ** ******** account. I have reported the text as junk because I have never had an account with ** ******** yet I continue to receive texts. Due to the number of scams I refuse to contact the number in the text or click on the link. However, I am unable to find any contact information for said debt collector that seems to be legitimate. They need to quit contacting me seeing as I have never had an account with the entity they are trying to collect on behalf of.

  Business Response

  Date: 04/04/2025

  Thank you for bringing this matter to our attention. I investigated this complaint regarding an account placed with Mercantile Adjustment Bureau, LLC and this is the first notification that attempts were made to a phone number which was the wrong phone. The recipient was not the intended individual whom Mercantile was attempting to contact and the phone number has been removed as a wrong number. We apologize for any inconvenience that this may have caused. 

• Initial Complaint

  Date:03/29/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.  
  
  Regards, 
  
  ****** *****
   to be the issue that other BBB complaints have lodged. It seems that Mercantile needs to run a tighter ship, rather than having to chase their tail correcting problems they created. If they still think I owe them money, then this is a case of ID fraud that would need to be investigated. Otherwise, I want them to just stop texting me.

  Business Response

  Date: 04/01/2025

  Thank you for bringing this matter to our attention. I investigated this complaint regarding an account placed with Mercantile Adjustment Bureau, LLC and this is the first notification that attempts were made to a phone number which was the wrong phone.  The recipient was not the intended individual whom Mercantile was attempting to contact and the phone number has been removed as a wrong number.  We apologize for any inconvenience that this may have caused.  Sincerely, Daniel F******** Chief Compliance Officer

• Initial Complaint

  Date:03/21/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.  
  
  Regards, 
  
  ****** ******

  Business Response

  Date: 03/24/2025

  Dear Kevin, Thank you for bringing this matter to our attention. I investigated this complaint regarding an account placed with Mercantile Adjustment Bureau. LLC and this is the first notification that attempts were made to a phone number which was the wrong number.  The recipient was not the intended individual whom Mercantile was attempting to contact and the phone number has been removed as a wrong number. We apologize for the inconvenience that this may have caused.  Sincerely. Daniel F******* Chief Compliance Officer

• Initial Complaint

  Date:03/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ****** ****** *** ******* ** ***** ***** ** *****
  
  I am reaching out to whomever this matter concerns on behalf of myself, ****** ******, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that i am obligated to pay this alleged debt. I am not refusing to pay the debt but rather asking your company to validate this debt as it is your lawful duty when asked by a consumer.
  
  I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the FDCPA and FCRA. You have 30 days to validate this debt and during this time all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt it shall be deleted and removed from my credit file immediately. I have also attached a CEASE AND DESIST that is effective immediately.
  
  If adverse action is taken against ne as a consumer I will consult my legal counsel. Please be advised that according to 15 USC 1692g-Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing-
  
  The amount of the debt;
  
  The name of the creditor to whom the debt is owed;
  
  A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.
  Thank you for your attention to this matter, ******* ******

  Business Response

  Date: 03/21/2025

  Thank you for bringing this matter to our attention. I investigated this complaint regarding an account placed with Mercantile Adjustment Bureau, LLC by our client. This is the first notification of dispute that has been received in our office. Verification documents will be mailed to the consumer. We apologize for any inconvenience that this may have caused. 

• Initial Complaint

  Date:02/26/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am receiving text messages from Mercantile Adjustment Bureau saying they are a debt collector. I don't owe any overdue debt and have an excellent credit score. I have checked my credit reports with all three bureaus and the are no outstanding debts nor collections listed. I've never received a letter from this company and I definitely won't be clicking on the link they are sending to my phone. Text Message Reads: I am receiving text messages from ****** saying they are a debt collector. I don't owe any overdue debt and have an excellent credit score. I have checked my credit reports with all three bureaus and the are no outstanding debts nor collections listed. I've never received a letter from this company and I definitely won't be clicking on the link they are sending to my phone. Text Message Reads: This is Mercantile Adjustment Bureau, a debt collector. Your Vrbo account, now owned by ********* *******, has been placed with us. View your account summary: **********************************************  Reply STOP to opt out of SMS

  Business Response

  Date: 03/03/2025

  Dear Kevin, Thank you bringing this matter to our attention. I investigated this complaint and Mercantile Adjustment Bureau, LLC never spoke to the complainant and this is the first notification that this was the wrong phone.  *********** **** was not the intended individual whom Mercantile was attempting to contact and the phone number has been removed as a wrong number. We apologize for any inconvenience that this may have caused. Sincerely, Daniel F******* Chief Compliance Officer

• Initial Complaint

  Date:01/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I entered into an agreement on 9/23/24, where i would be able to pay 416 total on one of my past debts. I have paid on time all payment except the last one. For some reason the last payment never went out. I have attempted to contact them through email, as i want documentation on any time i reach out to the company. Total I have paid 371 to satisfy the current debt. I am planning to pay the last payment on 1/10/25, as the final payment was not taken out, that total is 45.83. I would like to get this debt finally resolved now, as they have not reached back out and i am not able to get any information regarding this debt. If they are not they then made a fraudulent claim that I was able to pay the lower amount as i would not be able to afford the original amount. Please any help would be appreciated.

  Business Response

  Date: 01/10/2025

  Dear Kevin, Thank you for bringing this matter to our attention.  I investigated this complaint regarding an account placed with Mercantile Adjustment Bureau, LLC by our client.  In accordance with the agreement, the account will be resolved for less than the full balance when the final payment of $45.86 is made.  Sincerely, Daniel F******** Chief Compliance Officer