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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.
    • 23 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:04/02/2025

      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 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:
      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.
      For the past one month, I’ve received a total of seven identical text messages from this business. The text message is as follows: This is Mercantile Adjustment Bureau, a debt collector. Your ******** ******* *** account, owned by ******** ****** ********, has been placed with us. View your account summary: **********************************************  Reply STOP to opt out of SMS. Message and data rates may apply. I have ignored it because I thought it was a scam and certainly was not going to click on their link. However, I see many complaints about receiving the same text message, which seems to be legitimately coming from this company, but sent to the wrong person. I have never entered lease to own agreement with ***** ***. I didn’t even know who they were and had to look them up. I have no debts, pay my bills on time, I haven’t received anything in the mail that I owe anyone anything. My best guess is that this text message was sent to the wrong person, which seems 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

      Customer Answer

      Date: 04/01/2025

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

    • Initial Complaint

      Date:03/21/2025

      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 am filing this complaint on behalf of my daughter who is a minor (she is 14 years old). She received a text message from Mercantile Adjustment Bureau stating that her ****** account was now owned by ********* *******. She received this text message on Friday, March 21, 2025, at 9:46 AM EDT. My daughter does not have a ****** account since she has only had her bank account with *** **** since December 2024 to which is a student account. I am not sure if this message was meant for someone else, but it definitely does not belong to my minor daughter. The phone number that the message was sent to was *************

      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

      Customer Answer

      Date: 03/24/2025

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

    • Initial Complaint

      Date:03/20/2025

      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 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:
      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 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:
      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 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 

    • 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 was reporting this because they are continually trying to collect a debt from me but I called my bank and it turned out they were trying to falsely collect a debt from me/ When I reached out to my bank it turned out they were falsely trying to attempt a debt collection and asked for private information such as my address and phone number. The BBB does not recognize this as accredited

      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 

      Customer Answer

      Date: 11/18/2024

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

    • 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.
      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: 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 

      Customer Answer

      Date: 10/30/2024

      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. 

      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.

    Mercantile Adjustment Bureau LLC is NOT a BBB Accredited Business.

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