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Business Profile

Collections Agencies

Merchants Adjustment Service, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

This profile includes complaints for Merchants Adjustment Service, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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Merchants Adjustment Service, Inc. has 2 locations, listed below.

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    Customer Complaints Summary

    • 63 total complaints in the last 3 years.
    • 21 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:04/01/2025

      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 honestly dont get why MERCHANTS AD is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason, and its just not fair. How can they just put something on my report without any proof?Account No: 1338 Amount Disputed: $741

      Business Response

      Date: 04/01/2025

      The complainant's signature was obtained at the facility (****************************) where they were treated on 10-20-19. By signing in at the hospital it stated that failure to pay could result in their account going collections.  If the complainant claims that the service was not rendered, please instruct them to submit a certified statement and police report confirming that the service was not received as detailed in the itemized statement sent to the same address that the complainant provided to you. We will notify our client that the complainant alleges false information was recorded on the date of service and that someone was impersonating them for this charge. 

    • Initial Complaint

      Date:03/26/2025

      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 not liable for this debt with **********************. I do not have a contract with Merchants adjustment. They did not provide me with the original contract as requested.

      Business Response

      Date: 03/26/2025

      The complainant's signature was obtained at the facility (*************************) where they were treated on 02-13-23. This bill is for the radiologist charge for the reading of CT's that were taken on 02-13-23. By signing in at the facility the complainant acknowledged their understanding that they may be charged by other entities used that day and that failure to pay could result in their account going collections.  If the complainant claims that the service was not rendered, please instruct them to submit a certified statement and police report confirming that the service was not received as detailed in the itemized statement that we are sending to the same address that the complainant provided to you. We will notify our client that the complainant alleges false information was recorded on the date of service and that someone was impersonating them for this charge. 

    • Initial Complaint

      Date:03/05/2025

      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.
      Dear Representative,I am writing to dispute the following information appearing on my credit report, which I believe is inaccurate and needs to be corrected:Disputed Information: Specific details about the inaccurate information, including account type, balance, date of last activity, etc.I am requesting that you investigate this matter thoroughly and take appropriate action to correct this error on my credit report. Please contact me if you require any additional information to verify my dispute.Enclosed is a copy of my credit report with the disputed item(s) circled for your reference.Sincerely,***** *******

      Business Response

      Date: 03/05/2025

      We sent the complainant a statement on 04-25-22 and never received a response. We then received something stating that the complainant was a victim of fraud starting on 04-20-22. This bill is from 12-31-21. We responded to complainant with an itemized bill showing that this bill was before the alleged fraud began. We will be more than happy to discuss getting this bill resolved if the complainant would call ************.  

    • Initial Complaint

      Date:03/03/2025

      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 am not liable for this debt with Merchants ADJ *********************** I do not have a contract with Merchants ADJ *********************** They did not provide me with the original contract as I requested.

      Business Response

      Date: 03/04/2025

      The complainant's signature was obtained at the facility where they were treated on 03-24-21. If the complainant claims that the service was not rendered, please instruct them to submit a certified statement confirming that the service was not received. We will notify our client that the complainant alleges false information was recorded on the date of service. By signing in, the complainant acknowledged their understanding that failure to pay would result in their responsibility for any fees incurred in collecting the owed debt and could result in being turned over to a collection agency. 

    • Initial Complaint

      Date:02/13/2025

      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 am not liable for this debt with ******************** of ********* . I do not have a contract with Merchants Adjustment Service as I have requested.

      Business Response

      Date: 02/13/2025

      This is for ******************** of Pensacola for a reading of a CT of you head w/o contrast on 11-08-22. 

      Customer Answer

      Date: 02/13/2025

       
      Complaint: 22934227

      I am rejecting this response because:

       

      Without validation of debt, a full itemization of what it is for, and who charged it etc., I cannot be sure this debt is mine. 



      Sincerely,

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

      Business Response

      Date: 02/13/2025

      I will send verification of the debt to the email provided.

    • Initial Complaint

      Date:01/16/2025

      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.
      Im not liable for this debt with Merchant Adjustment Services. I do not have a contract with Merchant Adjustment Services. They did not provide me with the original contract as I requested.

      Business Response

      Date: 01/16/2025

      1/5/24 - Collection account received which has a date of service of 5/13/22 and is unpaid.

      Complainant was notified multiple times thereafter with no response til now. We will forward a copy of the charges to complainant.  Complainant may want to contact provider of service for clarification as to their procedures related to past due accounts and their contract with our company regarding same.

       

      Customer Answer

      Date: 01/16/2025

       
      Complaint: 22818227

      I am rejecting this response because:

      The MRI bill in question is apart of an injury settlement and was to be billed to Plain and Associates Law firm to be paid. West ********* MRI was made aware of this by me and reportedly my attorney. The company insisted on billing me. I was not aware that this bill went to collections. All responsibility falls on Plain and associates Law Firm of ***********, ***

      Sincerely,

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

    • Initial Complaint

      Date:12/17/2024

      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 am not liable for this debt with ********************** , I do not have a contract with MERCHANTS ADJ *********************** they did not provide me with the original contract as I requested.

      Business Response

      Date: 12/17/2024

      We have sent an itemized bill to the complainant and the complainant contacted us asking us to accept a lesser amount to resolve the debt. The complainant is welcome to call me at ************. 

    • Initial Complaint

      Date:12/16/2024

      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.
      This debt collector sent a letter of collection to my employer. My boss was surprised to receive a collection letter for me at their home. This debt collection agency has broken FDCPA rules by doing so and I will be taking necessary action to file a complaint with additional resources beyond just BBB.

      Business Response

      Date: 12/17/2024

      The complainant was sent a statement to the address we had. Per the Postal Service, mail is private and should never be opened by another party. We trust mail is not opened by another party and should be addressed by the complainant. We have changed the address and have a notice has been sent there accordingly. 

      Customer Answer

      Date: 12/17/2024

       
      Complaint: 22686091

      I am rejecting this response because:  Merchants keeps claiming that someone else opened my mail. No one opened my mail, it was provided to me upon arrival at my job. I never provided Merchants services with this address. They previously sent this same collection letter to my home address, then also sent a letter to my place of employment. Its clear that they are doing all they can to collect on this debt.  There is no one at fault except Merchants in this matter. 

      Sincerely,

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

      Business Response

      Date: 12/17/2024

      OK, Thank you 

    • Initial Complaint

      Date:11/27/2024

      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 am not liable for this debt with ****************************** associates, i do not have a contract with merchant adjustment service. They did not provide me with the original contract as i requested.

      Business Response

      Date: 11/27/2024

      I will be more than happy to explain what this bill is for if the complainant will call us at ************.

    • Initial Complaint

      Date:11/05/2024

      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 am not liable for this debt with *********************** and I do not have a contract with MERCHANTS AD plus they did not provide me with the original application like I asked. Account No: 1485**** Amount Disputed: $900

      Business Response

      Date: 11/06/2024

      The complainant's signature was obtained at the facility, (******************) where they were treated on 07-14-21. By signing in at *********************, the complainant acknowledged their understanding that failure to pay would result in their responsibility for any fees incurred in collecting the owed debt. If the complainant claims that the service was not rendered, please instruct them to submit a police report and a certified statement confirming that the service was not received as detailed in the itemized statement previously sent. We will notify our client that the complainant alleges false information was recorded on the date of service. 

    Merchants Adjustment Service, Inc. is NOT a BBB Accredited Business.

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