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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:04/27/2023

      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 received a note from my banker that my credit report decreased by 49 points on April 21, 2023, after MERCANTILE ADJMNT BUR reported an UNPAID balance of $265.00. The debt collection is in favor of ******* an electric company in Texas. When I contacted ******* they told me they are not aware of that. My balance is $0.00 at this moment. It is a fraud. Obtain a reference number from MERCANTILE.
      When Mercantile is contacted they told me the collection debt has been taken away they cannot give me a reference number. In the meantime, my credit report is messed up. ******* nor Mercantile are taking responsibility to fix my credit report.

      Business Response

      Date: 04/28/2023

      We were unable to locate an account for the name provided.  Please provide any additional information that appeared on the credit report such as the complete name, address, social security number, account number.  A dispute may also be made with the credit bureaus.

      Business Response

      Date: 05/04/2023

      see full business response attached.  partially transcribed below, see full response attached: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 received a dispute on May 4, 2023 from the credit bureaus and does not have an account for Mr. ****** with ******* but does have an account under a similar name from another client at the same address.  The credit bureaus have been updated regarding the dispute and verification documents will be mailed.   We apologize for any inconvenience that this may have caused.   Sincerely, Daniel F********  Chief Compliance Officer  

    • Initial Complaint

      Date:04/26/2023

      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 received an ******** ***** alert my credit. When I looked it says I have a collection with MERCANTILE ADJMNT BUR which I do not. I never used MERCANTILE ADJMNT BUR nor have I ever heard of them. My credit score dropped 46 points because of this wrongfully collections. The number listed for this company on ******** ***** page is ************ and when you call that number the rep said they are some sort of coupon savings company and tried selling me c**** This collections from MERCANTILE ADJMNT BUR is a scam and needs to be dealt with.

      Business Response

      Date: 04/27/2023

      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 for service by ******* ********.  Mr. ********'s account has been placed in a dispute status and the credit bureaus have been updated.  Verification documents will be mailed to Mr. ******** at the address listed in the complaint.  One of the credit reporting bureaus was listing an incorrect phone number for Mercantile and this has been corrected.  Mercantile's correct phone number is *************** We apologize for any inconvenience this may have caused.   Sincerely,Dan F*******Chief Compliance Officer  

    • Initial Complaint

      Date:04/24/2023

      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.
      This complaint is for Mercantile Adjustment Bureau LLC. I have also submitted a claim against ********.

      Business Response

      Date: 04/25/2023

      Dear *****, 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 for service for ****** ****.  Mercantile spoke to Ms. **** on April 24, 2023 and provided her the phone number for our client in order for her to speak to them directly. We apologize for any inconvenience that this may have caused. Sincerely, Daniel F******** Chief Compliance Officer   

      Customer Answer

      Date: 04/26/2023

      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. I called Mercantile again on 4/25 and requested a timeline for returning the devices. I was transferred to a manager, who opted to argue with me about Mercantile practices. He stated that Mercantile contacted me via mail (at a rural address that doesn't receive mail), via email (of which I have found no record), and via voicemail (which, again, I have no record). I responded that, if I had received such notice, I would have contacted Mercantile earlier. I only received a text that, from all appearances, seemed like a phishing attempt. Yet, I practiced diligence, looking up the company to verify the legitimacy of this claim that I was just hearing of. I contacted them moments later. This man also argued that the voicemail could not inform me as to the reason for the call despite the text making this very clear. He said that the laws on text communication vs voicemail are not the same, though he was unable to cite this law. I have been unable to find such information and would love to read it, because it makes no sense on the surface. Further, if I got a call from a company wherein the voicemail just said to call them back, I wouldn't. Who would?  My point remains: The poor communication, the threats I received when I did respond, and the unreliable information I received tell me that this company needs to be monitored much more closely. 
      Regards, 

      ******* **** 

    • Initial Complaint

      Date:04/07/2023

      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 business. I had an account with my room mate from ******** ******** when I lived in California and they keep calling saying I have an outstanding balance they’re trying to collect. The account was moved under my room mate’s name when I moved out in 2020 and they have handled any fees since then. This business needs to stop calling me for debt I do not owe. 

      Business Response

      Date: 04/10/2023

      Dear *****\, 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 for service for ******* ***********.  Mercantile spoke to Mr. *********** on April 7, 2023 and the credit bureaus have been updated about this dispute and the account will be closed and returned to our client.  No further contact will be made from Mercantile. We apologize for any inconvenience that this may have caused. Sincerely. Daniel F******* Chief Compliance Officer  

    • Initial Complaint

      Date:03/30/2023

      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'm showing on my credit report action taken by Mercantile Adjmnt Bur. on behalf of ******* ****** ****** in the amount of $655 going against an account# ********. I have attempted to discuss this matter with ******** about this being a fraudulent activity placed against me and my credit report late last year and earlier this year and nothing has been done to remedy the situation on getting this removed from my credit as its doing irreparable harm to my credit. This is one of 2 instances referring to fraudulent activity regarding either my drivers license #, social security#, or some other means with the State of Texas. The other instance refers to ***** ******** ****** and their collection agency ****** ******* *************. I can tell you this, I have never lived in Texas or stepped foot in Texas. I should not have any accounts in my name associated to these companies that I'm aware of. I have lived in the State of Florida since July 1991. 

      Business Response

      Date: 03/31/2023

      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 for services **** ********.  Mr. ******** account has been placed in fraud status and the credit bureaus have been updated.  Verification documents will be mailed to Mr. ********. We apologize for any inconvenience this may have caused.Sincerely,Daniel F********Chief Compliance Officer

    • Initial Complaint

      Date:12/27/2022

      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.
      Pay me for pain and suffering for my credit tanking 35 % a debt I don’t know and makes no my life miserable

      Business Response

      Date: 12/28/2022


      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 for *********** ******. The account has been placed in dispute status and credit bureaus have been
      notified of the dispute. Verification will be mail to Mr. ****** at the address provided in the complaint.
      We apologize for any inconvenience that this may have caused.
      Sincerely,
      Daniel F********
      Chief Compliance Officer

    Mercantile Adjustment Bureau LLC is NOT a BBB Accredited Business.

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