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Mercantile Adjustment Bureau

In business since 1934, Mercantile Adjustment Bureau focuses their collection efforts on four different kinds of debt: financial services, higher education, utilities, and healthcare. On its website, Mercantile Adjustment Bureau LLC says, “At Mercantile, we believe your company or organization should not suffer from the refusal of consumers to honor their financial obligations.” Mercantile Adjustment Bureau’s perception of consumers as those who “refuse” to pay their bills is in stark contrast with the reality that, in today’s economy, many people simply don’t have the means to keep roofs over their heads, much less get out of debt.

Mercantile Adjustment Bureau collection agencies’ focus on financial services collections encompasses a wide variety of types of debt, including auto loans, bank cards, banking fees, retail credit cards, and commercial finance. Mercantile Adjustment Bureau LLC collects student loans on behalf of many public and private colleges and universities, especially those in California, New York, Ohio, Florida, and Kentucky. The company boasts that their medical collections team is industry-specific and HIPAA compliant. Mercantile Adjustment Bureau assures its potential utilities clients that they offer consumers the option of paying over the phone by check, credit card, debit card, and Western Union/Money Gram. Moreover, the collection agency has a cadre of lawyers on hand, and makes it clear that they regularly identify “suit-worthy” consumers and “persuade” them to pay rather than be sued.

Mercantile Adjustment Bureau Complaints

Mercantile Adjustment Bureau complaints are many and varied. Surprisingly, although the Better Business Bureau has logged 172 closed Mercantile Adjustment Bureau complaints over the past three years and 49 closed Mercantile Adjustment Bureau complaints over the past 12 months (as of June 2013), the BBB gives Mercantile Adjustment Bureau LLC an A+ rating. Moreover, in the first five months of 2013, there were 16 Mercantile Adjustment Bureau lawsuits filed in federal court for alleged violations of the Fair Debt Collection Practices Act.

Stop Debt Collector Harassment

It’s unnerving to receive repeated collection calls from debt collectors. If you want to stop debt collection calls, remember that you have the right to dispute the amount an agency is seeking to collect. The Fair Debt Collection Practices Act says that, within five days of contacting you, a debt collector has to notify you in writing of the amount you owe. The collection notice must by law contain provisions that allow you 30 days to dispute the amount the agency is trying to collect. It’s best to dispute the amount by letter, and to see that letter via certified mail with a return receipt requested.

The debt collection agency must then provide verification of the debt, and may not continue contacting you until they verify the amount in writing. Your right to dispute may not be compromised in any way by the collector’s demand for immediate payment. Regardless of when the debt collector says you must pay, you have 30 days to dispute the amount under the Fair Debt Collection Practices Act. Asking for this information often buys you the time you need in order to formulate a plan of action, so take advantage of this legal provision.

Mercantile Adjustment Contact Info

Mercantile Adjustment Bureau
165 Lawrence Bell Drive, Suite 100
Williamsville, NY 14221

Mercantile Adjustment Bureau Phone Number: 800-480-7094


One thought on “Mercantile Adjustment Bureau
  1. I have been receiving calls from Mercantile Adjustment Bureau for 20 months as of July 2013. I have disconnected the call per their recorded instruction to “disconnect this call if you are not Kelly Stevenson”. I have talked to a live operator in January 2013 and March 2013 and explained to them I am not Kelly Stevenson and to stop calling me. I have started keeping detailed records since June 21, 2013.
    This company is trying to collect a debt from Kelley Stevenson. I have told them repeatedly that she does not have this number and that they should do an Internet White Pages search to verify a number before they call the number. The client lists that they buy and the debt information that they purchase gets outdated quickly. I believe this should be a requirement by law.
    They also falsify their Caller ID with Toll Free Svc., instead of Mercantile Adjustment Bureau. This should also be illegal because it negates the purpose of Caller ID providing correct information. I believe it is called spoofing.
    I have the following detailed call log:
    1138 6/21/2013 Disconnected call per recorded instructions
    1159 7/8/2013 Call went to voice mail
    1126 7/12/2013 Disconnected call per recorded instructions
    1023 7/17/2013 Disconnected call per recorded instructions
    1145 7/22/2013 Call went to voice mail
    1138 7/26/2013 Disconnected call per recorded instructions, called and talked to Yvonne to get State the calls came from, sent email to New York State AG

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