Debt collector · complaint record
Merchants Adjustment Service complaints
Filed under Merchants Adjustment Service, Inc.
Consumers have filed 497 complaints about Merchants Adjustment Service since 2015, 71 of them in the last 12 months (-37% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is took or threatened to take negative or legal action.
Average response record. How it works
- Complaints on record
- 497
- Last 12 months
- 71
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 8
- Rank
- #258 of 1,963
Since February 2015
-37% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 11, 2026
Most complained-about debt collectors
Merchants Adjustment Service complaints by month
The busiest month was November 2021 (15 complaints). Complaints in the last 12 months are down 37% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Merchants Adjustment Service answered last 12 months
- Closed with explanation71100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-37% vs last year
What Merchants Adjustment Service complaints are about
Top Merchants Adjustment Service problems last 12 months
Inside "Took or threatened to take negative or legal action"
- Threatened or suggested your credit would be damaged 40
- Collected or attempted to collect exempt funds 3
- Threatened to sue you for very old debt 1
Where Merchants Adjustment Service complaints come from
Most complaints: Alabama (155), South Carolina (96), Georgia (66), Florida (51), Mississippi (44).
Merchants Adjustment Service compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | M.A.R.SDebt collection | 53 | 71 | C |
| 2 | Federal Adjustment BureauDebt collection | 52 | 71 | C |
| 3 | Nationwide Credit & CollectionDebt collection | 6 | 71 | F |
| 4 | Merchants Adjustment ServiceDebt collection | 60 | 71 | C |
| 5 | Hunt & HenriquesDebt collection | 60 | 70 | C |
| 6 | Coast ProfessionalDebt collection | 27 | 70 | F |
| 7 | Law Office of Brett M. Borland, P.CDebt collection | 54 | 70 | C |
| 8 | San Diego County Credit UnionDebt collection | 56 | 70 | C |
Compare side by side: Merchants Adjustment Service vs M.A.R.S · Merchants Adjustment Service vs Federal Adjustment Bureau · Merchants Adjustment Service vs Nationwide Credit & Collection · Merchants Adjustment Service vs Hunt & Henriques
What people say about Merchants Adjustment Service
All experiencesNo experiences with Merchants Adjustment Service yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Merchants Adjustment Service complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 9, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 4, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 31, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 14, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Aug 27, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Aug 20, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Merchants Adjustment Service
How many complaints does Merchants Adjustment Service have?
Merchants Adjustment Service has 497 complaints on record since February 2015, including 71 in the last 12 months and 8 in the last 30 days. That makes it number 569 of every company by complaints this year.
Does Merchants Adjustment Service respond to complaints?
Yes. Merchants Adjustment Service answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 60/100 (grade C).
What do people complain about most with Merchants Adjustment Service?
The most common problems are took or threatened to take negative or legal action (44), attempts to collect debt not owed (153), written notification about debt (104).
Is Merchants Adjustment Service legit?
Merchants Adjustment Service is a real company with a public complaint record: consumers have complained about it 497 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Merchants Adjustment Service legit? for the signals, red flags and how to protect yourself.
Are complaints about Merchants Adjustment Service going up or down?
Down. There were 71 complaints in the last 12 months against 112 in the 12 before (-37%). See every month.
How do I file a complaint against Merchants Adjustment Service?
Complain to Merchants Adjustment Service in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Merchants Adjustment Service complaints come from?
Most come from Alabama (155), South Carolina (96), Georgia (66). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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