Debt collection
Merchants Adjustment Service debt collection complaints
Consumers have filed 375 complaints about Merchants Adjustment Service's debt collection, 61 in the last 12 months (-10%). Merchants Adjustment Service answered 100% on time and closed 0% with relief. See the whole Merchants Adjustment Service record.
Merchants Adjustment Service against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Merchants Adjustment Service | 61 | 100% | 0% |
Latest Merchants Adjustment Service debt collection complaints
| 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 | 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 |
| 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 |
| Aug 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 16, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Jul 14, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 18, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jun 10, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Jun 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 4, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| May 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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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