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Business Profile

Collections Agencies

Mercantile Adjustment Bureau LLC

This business is NOT BBB Accredited.

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Complaints

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

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    Customer Complaints Summary

    • 62 total complaints in the last 3 years.
    • 18 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:01/04/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 left a message with the company on 1/2 and on 1,/3 and they have not returned my call and also left an e-mail on their website with no response. It is in regards to not being able to make a payment on their website. It shows that I have no account with them. I have been making monthly payments with them for over ten years and I know there is still a balance owed on my account.

      Business Response

      Date: 01/13/2025

      Dear Kevin, Thank you for bringing this matter to our attention.  A copy of the complaint has been forwarded to **** ** *******.  A letter was mailed to the consumer on December 12, 2024 advising that Mercantile Adjustment Bureau, LLC will no longer be servicing the account and the account is being returned to **** ** *******.  Any payments scheduled after December 15, 2024 will be cancelled.  **** ** ******* will honor current payment arrangement with Mercantile.  Please contact **** ** ******* at ********** to discuss the account and re-establish future payments.  Payments can also be mailed to **** ** *******, ** *** ****** *********** ** **********.  Lastly, if you have access to online banking, you can use the **** ** ******* Mobile Banking app or visit Online Banking at ******************************. for account details or other payment options.  We apologize for any inconvenience that this may have caused.  Sincerely, Daniel F******** Chief Compliance Officer

    • Initial Complaint

      Date:11/18/2024

      Type:Billing Issues
      Status:
      Resolved
      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: 11/18/2024

      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.  Mercantile spoke to the consumer on 11/11/24 and the consumer claimed that she paid the balance to close the account with our client.  The customer was requested to send a copy of the receipt or proof of payment.  mercantile spoke to the consumer again on 11/18/24 advising the consumer that our client advised us that no payment was received.  The consumer continued to dispute the balance, requested no more calls and said that she would contact the client directly.  The account has been closed in our office and will be returned to our client.  There will be no further contact from Mercantile.  Any information requested is to verify and ensure that personal information regarding the account is not disclosed to the wrong party. We apologize for and inconvenience that this may have caused.   Sincerely, Daniel F******** Chief Compliance Officer 

    • Initial Complaint

      Date:10/30/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      This debt collector has violated the FDCPA by engaging in abusive, deceptive, and unfair practices, all of which are prohibited by law. They reported an account I never agreed to, and there is no signed contract between us. A valid legal contract requires signatures from both parties, and I had no involvement in this agreement. Additionally, they failed to follow the necessary 5-step validation process, further proving their unfair practices. Under the FDCPA, I am entitled to $1,000 per violation, and it is clear they have infringed on my rights.

      Business Response

      Date: 10/31/2024

      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 a duplicate of a complaint that Mercantile received from the consumer on October 28, 2024.  The consumer was advised on October 28, 2024 that Mercantile is a contractual agent of our client which the consumer had an agreement, therefore, Mercantile had a permissible purpose to report the account to the credit bureaus and denies any violation for abusive, deceptive, and unfair practices.  Verification documents were mailed on October 28, 2024; the credit bureaus were updated about the dispute and the account was placed in a dispute status in Mercantile's system of record. We apologize for any inconvenience that this may have caused. Sincerely, Daniel F******* Chief Compliance Officer

    • Initial Complaint

      Date:10/29/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      The company has called leaving zero information, I am on the do not call list and have no idea who they are trying to reach. rk as a waiver to any/all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report. I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt.

      Business Response

      Date: 10/30/2024

      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 that Mercantile received from the consumer disputing the account.  Verification documents will be mailed to the consumer.  We apologize for any inconvenience that this may have caused. Sincerely, Daniel F******* Chief Compliance Officer 

      Business Response

      Date: 10/31/2024

      Mercantile did not report this account to the credit bureaus.  Verification of debt documents were mailed to the consumer on October 30, 2024.

    • Initial Complaint

      Date:10/14/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      **** ****** ***** ******** ***** ******* ** ******10/04/2024
      Mercantile Adjustment Bureau?
      *** ******** **** ** *************** ** ***** ******** Request for Debt Verification
      Dear Mercantile Adjustment Bureau,
      I am writing to formally request verification of the debt you claim I owe, referenced by account number ********. I do not recognize this debt and require further information before proceeding.
      Please provide me with the following:
      1. The name and address of the original creditor.
      2. The amount of the debt, including any interest, fees, or other charges.
      3. A complete itemized breakdown of how the debt was calculated.
      4. The date when the debt was incurred and when the last payment was made.
      5. Any written agreement that bears my signature and confirms my obligation to pay the debt.
      6. Proof that you are legally authorized to collect on this debt.
      7. Proof that you can legally collect in the state of Virginia
      8. Proof that your company carries a insurance bond
      9. Proof that you have ownership of this debt and not simply assign to it
      10. Name and address of original creditor
      11. Proof of how you assessed the outstanding debt

      If you are unable to provide the requested information, I respectfully request that you immediately remove and permanently delete your trade-line associated with this debt from all three major credit bureaus (*******, ********, and **********).
      I appreciate your prompt response in providing the above information. I also request that, in the meantime, all collection activities cease until this matter is fully resolved.
      Thank you for your attention to this matter. I look forward to receiving the requested documentation within 30 days of your receipt of this letter.
      Sincerely,? **** ****** ************ *******************

      Business Response

      Date: 10/17/2024

      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.  The account has been placed in a dispute status in Mercantile's internal system of record, the credit bureaus have been updated and verification documents will be mailed to the consumer. We apologize for any inconvenience this may have caused. Sincerely, Dan F******* Chief Compliance Officer

    • Initial Complaint

      Date:08/23/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
      I’ve called the number listed in the letter several times and no one answers. After 5-10 minutes on hold it goes to an unprofessional voice mail. This is a scam. I’m a Connecticut resident and some accounts are not collectible in CT. They never disclosed the creditor and have not replied to any of my voicemail messages. 

      Regards,

      ***** *****

      Business Response

      Date: 08/26/2024


      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. The account was resolved for less than the full balance on August 19, 2024. A receipt letter will be
      sent to the email address provided. Mercantile can also be reached at ###-###-#### from 8:00 AM - 9:00
      PM Monday - Thursday and 8:00 - 5:00 PM Friday EST.
      We apologize for any inconvenience that this may have caused.
      Sincerely,
      Daniel F********
      Chief Compliance Officer

      Business Response

      Date: 08/27/2024


      Thank you for bringing this matter to our attention.
      The address and phone number that we have for the consumer is in Michigan, not Connecticut. A receipt letter was sent to the email address provided, listing the creditor. That information cannot be provided through this response due to third party disclosure laws. Mercantile can be reached at ###-###-#### from 8:00 AM – 9:00 PM Monday – Thursday and 8:00 – 5:00 PM Friday EST, or at ###-###-#### or ###-###-####. I will have a manager attempt to reach the consumer by telephone.
      We apologize for any inconvenience that this may have caused.
      Sincerely,
      Daniel F********
      Chief Compliance Officer

      Customer Answer

      Date: 08/27/2024

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
      The company sent me an email with a password requirement for which I do not have the password. They do not answer the phone lines and I have no other way to contact them. The mailbox is outgoing only. This is a scam and I really need your help getting my money refunded. 

      Regards,
      ***** *****

    • Initial Complaint

      Date:08/20/2024

      Type:Billing Issues
      Status:
      Answered
      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 keep receiving calls from this company using different area codes and even codes near me.I have no business with this company.I am requesting:
      I have no account with you, nor am I your customer,nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC § 1692 et. seq., the Fair Debt Collection Practices Act (FDCPA): 1) Please evidence your authorization under 15 USC § 1692 (e) and 15 USC § 1692 (f) in this alleged matter. 2) What is your authorization of law for your collection of information? 3) What is your authorization of law for your collection of this alleged debt? 4) Please evidence your authorization to do business in my state. 5) Please provide evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter. Pursuant to 15 USC § 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any/all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report. I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt

      Business Response

      Date: 08/20/2024


      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 a dispute that Mercantile has received. All phone calls were made from phone numbers registered to Mercantile Adjustment Bureau, LLC. Mercantile is a contractual agent of our client in which the consumer has an agreement with. Mercantile did not report this account to the credit bureaus. Verification documents in accordance with the requirements to verify will be mailed to the consumer.
      We apologize for any inconvenience that this may have caused.
      Sincerely,
      Daniel F********
      Chief Compliance Officer

    • Initial Complaint

      Date:08/07/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      On August 6, 2024, Mercantile contacted a loved one to ask about a debt they are attempting to collect. This person was not any sort of cosigner, so there is NO reason they should have been contacted. None of my personal information should have been revealed and in doing so they have directly put me in harm's way.

      Business Response

      Date: 08/12/2024


      Thank you for bringing this matter to our attention.
      A copy of the complaint has been forwarded to our client. I investigated this complaint and the
      documentation in Mercantile Adjustment Bureau's internal system of records and no telephone contact
      was ever made with any individuals on this account by any agent from Mercantile. The account was
      closed in our office and returned to our client on June 2,2024.
      We apologize for any inconvenience that this may have caused.
      Sincerely,
      Daniel F********
      Chief Compliance Officer

    • Initial Complaint

      Date:07/16/2024

      Type:Billing Issues
      Status:
      Answered
      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.   I would like confirmation from ********* ******* ******* on their letterhead as well that collection efforts are terminated.  

      Regards, 

      ******* ****

      Business Response

      Date: 07/19/2024

      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.  The account has been closed in our office and returned to our client.  We have also forwarded them a copy of the complaint we received.  Our client has subsequently advised us that to resolve this matter they are terminating collection efforts.

    • Initial Complaint

      Date:07/16/2024

      Type:Billing Issues
      Status:
      Resolved
      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.
      Better Business Bureau:



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



      Regards,


      **** **********








      rk as a waiver to any/all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report. I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt.

      Business Response

      Date: 07/19/2024


      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 a dispute that Mercantile has received. Mercantile is a contractual agent
      of our client. Mercantile did not report this account to the credit bureau. The account has been closed in our
      office and returned to our client. We have also forwarded them a copy of the complaint we received. Our
      client has subsequently advised us that to resolve this matter they are terminating collection efforts.
      We apologize for any inconvenience that this may have caused.
      Daniel F********
      Chief Compliance Officer

    Mercantile Adjustment Bureau LLC is NOT a BBB Accredited Business.

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