Merchants Adjustment Service — CFPB Complaint Data
Data source: CFPB Consumer Complaint Database. Data current as of July 30, 2026. View the live CFPB record.
A CFPB complaint means a consumer submitted a complaint against Merchants Adjustment Service and the company was given a chance to respond — it isn't a lawsuit, a fine, or a verified finding that the company did something wrong. Raw complaint counts also aren't adjusted for company size: a large national company will show more complaints than a small one even if it handles a lower share of its accounts poorly.
39% of Merchants Adjustment Service's complaints on record are about "attempts to collect debt not owed" — the single most common issue category.
Top complaint issues
The specific problems people reported, most common first.
- Attempts to collect debt not owed — what to do7
- Took or threatened to take negative or legal action — what to do6
- False statements or representation2
- Communication tactics — what to do2
- Written notification about debt — what to do1
Complaint trend (monthly)
State distribution
Where complaints against Merchants Adjustment Service are coming from.
Have a problem with Merchants Adjustment Service?
A CFPB complaint is free, takes about 10 minutes, and generally requires Merchants Adjustment Service to respond within 15 days. Before you file: attach documents (statements, letters, screenshots), be specific about the product and problem, and state exactly what resolution you want.