Debt collector · complaint record
Modern Adjustment Bureau complaints
Consumers have filed 112 complaints about Modern Adjustment Bureau since 2014, 27 of them in the last 12 months (-29% on the year before). It answered 100% on time and closed 19% 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.
Good response record. How it works
- Complaints on record
- 112
- Last 12 months
- 27
- Answered on time
- 100%
- Closed with relief
- 19%
- Last 30 days
- 1
- Rank
- #449 of 1,963
Since February 2014
-29% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 19, 2026
Most complained-about debt collectors
Modern Adjustment Bureau complaints by month
The busiest month was January 2025 (5 complaints). Complaints in the last 12 months are down 29% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Modern Adjustment Bureau answered last 12 months
- Closed with non-monetary relief518.5%
- Closed with explanation2281.5%
"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 customers15/4018.5% closed with relief
- Complaint trend15/15-29% vs last year
What Modern Adjustment Bureau complaints are about
Top Modern Adjustment Bureau problems
Inside "Took or threatened to take negative or legal action"
- Threatened or suggested your credit would be damaged 32
- Sued you without properly notifying you of lawsuit 1
- Seized or attempted to seize your property 1
Where Modern Adjustment Bureau complaints come from
Most complaints: Texas (53), California (50), Michigan (3), Georgia (2), Louisiana (1).
Modern Adjustment Bureau compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Huntington DebtDebt collection | 55 | 27 | C |
| 2 | HCFS Healthcare Financial Services of TeamHealthDebt collection | 59 | 27 | C |
| 3 | Capital Collection ManagementDebt collection | 46 | 27 | D |
| 4 | Alliance Collection AgenciesDebt collection | 60 | 27 | C |
| 5 | Valley Collection ServiceDebt collection | 65 | 27 | B |
| 6 | AutovestDebt collection | 0 | 27 | F |
| 7 | Galaxy Capital AcquisitionsDebt collection | 27 | 27 | F |
| 8 | Modern Adjustment BureauDebt collection | 75 | 27 | B |
Compare side by side: Modern Adjustment Bureau vs Huntington Debt · Modern Adjustment Bureau vs HCFS Healthcare Financial Services of TeamHealth · Modern Adjustment Bureau vs Capital Collection Management · Modern Adjustment Bureau vs Alliance Collection Agencies
What people say about Modern Adjustment Bureau
All experiencesNo experiences with Modern Adjustment Bureau yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Modern Adjustment Bureau complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 4, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jul 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Jun 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 14, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| May 21, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| May 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about Modern Adjustment Bureau
How many complaints does Modern Adjustment Bureau have?
Modern Adjustment Bureau has 112 complaints on record since February 2014, including 27 in the last 12 months and 1 in the last 30 days. That makes it number 932 of every company by complaints this year.
Does Modern Adjustment Bureau respond to complaints?
Yes. Modern Adjustment Bureau answered 100% of its complaints on time (within 15 days) and closed 19% 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 75/100 (grade B).
What do people complain about most with Modern Adjustment Bureau?
The most common problems are took or threatened to take negative or legal action (34), attempts to collect debt not owed (27), false statements or representation (14).
Is Modern Adjustment Bureau legit?
Modern Adjustment Bureau is a real company with a public complaint record: consumers have complained about it 112 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Modern Adjustment Bureau legit? for the signals, red flags and how to protect yourself.
Are complaints about Modern Adjustment Bureau going up or down?
Down. There were 27 complaints in the last 12 months against 38 in the 12 before (-29%). See every month.
How do I file a complaint against Modern Adjustment Bureau?
Complain to Modern Adjustment Bureau 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 Modern Adjustment Bureau complaints come from?
Most come from Texas (53), California (50), Michigan (3). 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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