Mercantile Adjustment Bureau LLC

Thank you for bringing this matter to our attentionMr [redacted] arranged a settlement payment agreement with our office on September 17, The arrangement was for payments of $each for a total of $1,The first payments were processed and applied towards the settlementThe final payment was returned for non-sufficient funds on March 12, 2015, which voided the settlement agreementThe account was then recalled from our office by our client, [redacted] We apologize for any inconvenience that this may have causedSincerely, Daniel F [redacted] Chief Compliance Officer

I investigated this complaint and our office spoke to Ms [redacted] and sent the requested paid in fullletters to [redacted] *** through our letter vendorAnother copy of the letter hasbeen mailed on August 24,2017, directly from our office.We apologize for any inconvenience that this may have caused.Sincerely, Daniel [redacted] Chief Compliance OfficerMercantile Adjustment

I investigated this complaint and our office spoke to Ms [redacted] on April 21, regarding this matterMercantile has not reported this matter to the credit bureaus and will no longer contact Mr***regarding this matterWe apologize for any inconvenience that this may have caused Sincerely, Daniel [redacted] Chief Compliance Officer

Thank you for bringing this matter to our attention.I investigated this complaint and removed phone number ###-###-#### which was associated with anaccount in our officeThere will be no further calls from our office.We apologize for any inconvenience that this may have caused.Sincerely,Daniel F [redacted] Chief Compliance OfficerMercantile Adjustment Bureau, LLC

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] According to our bank statements payments were taken out as follows:9/30/payment taken out 10/02/$#900110/30/ " " " 11/03/ $#900211/30/ " " " 12/03/ $#900312/30/ " " " 01/02/ $#900402/28/ " " " 03/03/ $ # [redacted] If you notice it does not show that the January payment was taken out, not our fault however because the money was available and we did not overdraftMercantile would be the blame for this matter.Why was the February payment taken out and not the January? Also our bank statements do not show any of these payments were returned non-sufficient fundsI have verified with our bank that the excuse "The final payment was returned non-sufficient funds on March12, 2015, which voided the settlement agreement", is absolutely not trueOur bank verified Mercantile did get paid and this check did not returnWe would be happy to pay the agreement that Mercantile FAILEDto take out but feel that this payment should be waived for all the grief that they have causedHaving to turn this company over twice for the same account and them doing the same thing as the first time is ridiculous.Thanks, [redacted]

I investigated this complaint regarding an account placed in our office by our client Rochester General HospitalOur office received permission from Ms [redacted] on April 3, to speak to her son [redacted] to arrange payment for her account in the amount of $The payment was processed on April 4, and is paid in fullThis was the last communication that Mercantile had with Ms [redacted] or her son and this is the only account which Mercantile had in our office for Ms [redacted] Mercantile did not report this account to the credit bureaus We apologize for any inconvenience that this may have caused Sincerely,Daniel [redacted] Chief Compliance Officer

Thank you for bringing this matter to our attention.I investigated this complaint regarding an account placed with Mercantile Adjustment Bureau, LLC forthird party collections by our client [redacted] Savings BankThis account was resolved for less than the fullbalance on November 28, Mercantile did not report this account to the credit bureausMr [redacted] would need to contact [redacted] Savings Bank at ###-###-####, ext [redacted] regarding credit reporting.We apologize for any inconvenience that this may have caused.Sincerely,Daniel F [redacted] Chief Compliance Officer

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

I investigated this complaint and did review all of the call recordings From April 6, and May 22,Ms [redacted] may contact Mercantile to set up another payment arrangement if she chooses to do so.We apologize for any inconvenience that this may have causedSincerely, Daniel [redacted] Chief Compliance Officer

Please see attached response.I investigated this complaint and only located an account placed with our office for 3rd party collectionsregarding a Citibank credit card, for Mr [redacted] We did not report this account to the credit bureausand do not have an account in our office for [redacted] [redacted] Our office will ceasecollections on the account which we do have in our office.We apologize for any inconvenience that this may have caused.Sincerely,Daniel [redacted] Chief Compliance OfficerMercantile Adjustment

As explained previously, the follow up call was made to Ms [redacted] to explain the situation and there was no prior notification that Ms [redacted] did not want calls at workMercantile does not add interest or any other feesAny interest or fees which are assessed prior to or during collections are done through Buffalo State College in accordance with the tuition agreement, which Ms [redacted] agreed toWe have removed Ms [redacted] 's phone numbers and there will be no further calls from our office We apologize for any inconvenience that this may have causedSincerely, Daniel [redacted] Chief Compliance Officer

I investigated this complaint and Mercantile received a request for a credit report deletion through-Oscar on April 18, The deletion was submitted at that timeA second request has also been submitted todayAttached is a copy of the requestWe apologize for any inconvenience that this may have caused Sincerely, Daniel [redacted] Chief Compliance Officer

Please see attached response.March 4, 2016***, Complaint HandlerRevdex.com, Inc.I Bryant Woods SouthAmherst, NY 14228Re: [redacted] ID#: [redacted] Dear ***:Thank you for bringing this matter to our attentionWe have transmitted a copy of your complaint to our client Bank of AmericaRecordings of all calls have been reviewed and there was never any threat of legal actionFurthermore, Mercantile denies allallegations of any legal violationsAny settlement offer requires the approval of our client and Mercantile is only able to offer what is approvedMercantile Adjustment Bureau, LLC will continue to assist Ms [redacted] with resolving this matter.We apologize for any inconvenience that this may have caused.If you have any questions or would like to discuss this further please feel free to contact me directly.Sincerely,Daniel F [redacted] Chief Compliance Officer

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] This company called my co-signer and I daily threatened to take his propertyAt this point we contacted a bank to get a loan to pay off the accountWe made a settlement agreement of $The company then charged 61,After the payment was made they would no longer communicate and said they are only legal required to tell me so much and would not fix the problemThey payed [redacted] the $I was then taxed on the "write off" and payed the IRS even though we didn't pay the write off amount

This complaint was investigated and we notified our client of Mr***' disputeWe have alsosubmitted a request to delete the credit reporting.We apologize for any inconvenience that this may have caused.Sincerely,Daniel F [redacted] Chief Compliance Officer

September 17, 2015***, Complaint HandlerRe: [redacted] - [redacted] , [redacted] ID#: [redacted] Dear ***:Thank you for bringing this matter to our attention.Our office spoke to Ms [redacted] - [redacted] on July 23, regarding her account with [redacted] ***CollegeMs [redacted] - [redacted] claimed that the college advised her that Mercantile was able to reduce theinterestedMercantile contacted the client on July 23, I to request an interest reduction, as Mercantiledoes not have the authority to do so without authorizationThe client responded that only $in interestcould be waivedMercantile spoke to Ms [redacted] - [redacted] on July 25, to infonn her of thecollege's offerMs [redacted] - [redacted] accused our office of lying to herOur office reached out again toour client and our client then agreed to waive the entire $in interest, which has since been credited tothe account.We apologize for any inconvenience that this may have caused.Sincerely,Daniel F [redacted] Chief Compliance Officer

Mercantile Adjustment Bureau received this same written request for validation from Mr [redacted] on December 29, Validation was mailed to Mr [redacted] on December 29, and a copy is also included with this responseMercantile has also removed the credit reporting on this account due to the dispute We apologize for any inconvenience that this may have caused Sincerely, Daniel [redacted] Chief Compliance Officer

Unfortunately, we cannot provide the recording, but instead, is a transcript confirming that there is no error.The following is the transcript of the call from April6, between the Mercantile Adjustment Bureau, LLCagent and Ms [redacted] , Ms***'s sisterThe length of the call is minutes and seconds:AGENT: "Mercantile Adjustment Bureau, this is (Agent's name], the call may be monitored or recorded forquality assurance, how may I help you?" MS [redacted] : "Yes, this is Yvette [redacted] , you just left me a message."AGENT: "Ok, hold on one second, let me get the file right back upOh yes, we were calling you regarding amatter with (client's name]Just for security purposes, to make sure that I am talking to the right person, canyou verify your date of birth for me please?" MS [redacted] : "[date of birth provided]"AGENT: "Ok, and can you either verify the current mailing address or the last four of your social, whicheveryou prefer?MS [redacted] : "(street number and street name provided]"AGENT: "And what city and state?"MS [redacted] : "[city and state provided]"AGENT: "Ok, all that information matches, I do need to let you know this communication is from a debtcollector, this is an attempting to collect a debt, any and all information will be used for that purposeWe werecalling regarding the [client's name] account that was recently placed in our officeThis looks like this was inreference to the auto loan that you had taken out with them in October Right now there is a deficiencybalance owing on the loan and you have $7,I do see that you were making month payments on theaccount for a while and it looks like the last payment that was made on it was on January 3, They justwanted us to get in touch with you to find out what the intentions are and beyond at this point."MS [redacted] : "What I can do, I can contact my sister, because I co-signed for her for that car."AGENT: "Ok."MS [redacted] : "So, I'm going to speak to her on that because I'm not either able to pay this or she'sgoing to have to be responsible for that and I know that you have to call me because it's in my name, so I'mgoing to have to speak to her on thatSo, what's this, Mercan what?"AGENT: "Mercantile Adjustment Bureau, now "MS [redacted] : "Ok."AGENT: "Now, will you be having your sister speak to us regarding this or will you be calling us back?"MS [redacted] : "I'm going to call you back; I'm going to give her your phone number and extension."AGENT: "Ok, what is your sister's name?"MS [redacted] : " [redacted] ***."AGENT: "I'm sorry, it's what?"MS [redacted] : " [redacted] , [redacted] ."AGENT: "Ok."MS [redacted] : "***, [redacted] "AGENT: " [redacted] , ***, ok, alright, and when she calls, you are giving us permission to speak to herregarding this account?" MS [redacted] : "Yes."AGENT: "Ok, alright, I will document the account that you are giving us the ok to speak to your sister inreference to thisJust so you are aware, they are giving the options to do monthly payments on the accountagain or we can try to set up a settlement arrangement on the accountRight now, we can reduce the balancedown by a little more than half."MS [redacted] : "Ok, thank you."AGENT: "Yes, have a good day ma'am, bye, bye."MS [redacted] : "You too, bye, bye."Sincerely, Daniel [redacted] Chief Compliance Officer

Please see attached response.Dear [redacted] Mercantile Adjustment Bureau does not report any information to the IRS [redacted] would need toaddress this matter with [redacted] ***.Sincerely, Daniel F [redacted] Chief Compliance Officer