Mercantile Adjustment Bureau LLC

I investigated this complaint regarding an account placed with our office for third party collections by our client SUNY Buffalo State CollegeMercantile Adjustment Bureau does not purchase debt and all interest is accrued by our clientsOur office spoke to Ms [redacted] on November 10, and Ms [redacted] stated that she would be paying the account in full and would look into obtaining a loan to pay the balance within the next two weeks because she was applying to another schoolMsDe Marie then called Mercantile on August 18, and stated that she that she wanted information on the balance and that she wanted to pay the balance in full and would be calling back within the weekMs [redacted] called Mercantile on August 23, and requested a settlement on the balanceMercantile advised Ms [redacted] that our client only authorizes Mercantile to offer a settlement of a 50% reduction of the interest, which our client accrues, which would be a reduction of $to a settlement of $1, Mercantile offered to submit Ms [redacted] ***'s settlement request of$1,to our client for approvalOn August 24, 2017, Ms [redacted] called Mercantile and was advised that her settlement request of$1,was not accepted by our clientMs [redacted] stated that she would need to call backOn August 25, 2017, Ms [redacted] called Mercantile and was advised that the settlement of$1,was available until August 31,and Ms [redacted] stated that she would call backOn September 6, 2017, Ms [redacted] called Mercantile and was advised again that [redacted] wanted to pay the settlement and was advised that Mercantile had to verify with our client whether the settlement was still valid since it was not received by August 31, On September 7, 2017, Ms [redacted] called Mercantile and stated that she spoke to our client and they advised her that Mercantile owns the account and accrues interestMs [redacted] was advised that that is not correctThe current client-approved settlement amount as of today is $1,752.18.We apologize for any inconvenience that this may have causedSincerely, Daniel [redacted] Chief Compliance Officer Mercantile Adjustment

Hi,Thanks for following up - i'm sending you copy of the communication I got from [redacted] explaining was an error of their side (it's the PDF file)I've also included the additional communication I sent to Mercantile (the other two word document).The Mercantile case id is [redacted] (Jim R [redacted] , 1- [redacted] ) Regards, [redacted] ***

This is the first notification of dispute that our office has received regarding this accountWe have requested validation of debt from our client American Electric Power and submitted a removal of the credit reporting as a result of this dispute We apologize for any inconvenience that this may have caused Sincerely, Daniel F [redacted] Chief Compliance Officer

This complaint was investigated and phone number [redacted] has been removed from our system and placed on our "Do Not Call List" We apologize for any inconvenience that this may have caused Sincerely, Daniel F [redacted] Chief Compliance Officer

Thank you for bringing this matter to our attention.I investigated this complaint and Mercantile received a written dispute from Ms [redacted] on April 4, 2018regarding her account with [redacted] and has submitted a request to delete the credit reporting.Mercantile is under contract with our client [redacted] and Ms***'s agreement with [redacted] is extended to Mercantile as an agent of [redacted] Mercantile denies any allegations of any violationsand has ceased collection activity.We apologize for any inconvenience that this may have caused.Sincerely,Daniel F [redacted] Chief Compliance OfficerMercantile Adjustment

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 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 matter We apologize for any inconvenience that this may have caused Sincerely, Daniel [redacted] Chief Compliance Officer Mercantile

This complaint was investigated and as a result of this dispute, Mercantile has submitted a request to delete the reporting from the credit bureaus We apologize for any inconvenience that this may have caused.Sincerely, Daniel [redacted] Chief Compliance 0fficer

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 While they have removed my name from their list, my complaint is that collections agencies are using robo calls to pursue debtors and uninvolved people such as myself are targeted If I had not made the call to the company how may more calls would I have received? There are similar complaints regarding the disturbance of robo calls from many people who are not responsible and yet are the target of these calls This is a nuisance and I don't believe automated calling should be allowed in these circumstances Regards, [redacted] ***

Thank you for bringing this matter to our attention.I investigated this complaint and this account has been resolved for less than the full balance on March30, A letter confirming the resolution was mailed to *** *** *** *** ** ***on April 3, The balance on this
account is $0.00.We apologize for any inconvenience that this may have caused.Sincerely,Daniel FChief Compliance OfficerMercantile Adjustment

October 19, 2016***, Complaint HandlerRevdex.com, IncBryant Woods SouthAmherst, NY 14228Re: *** *** *ID#: ***Dear ***This complaint was investigated and a letter was mailed to *** ** *** * *** ***
*** * * *** * on June 8, and there was no mail
returnPer Ms***'s request, Mercantile has ceased all contact.We apologize for any inconvenience that this may have caused.Sincerely,Daniel FChief Compliance Officer

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear belowMy last payment I made was $through my bankI distrust the validity of these bills now as I do not feel the original vendor RGH hospital is billing my insurance properlyThere is no copays anywhere elseMercantile Adjustment handles billing for RGHI want written statement invoice from this business saying my account under my name for however many sub accounts or account numbers are paid in fullThis perhaps is a far wider problem if the debtor is not billing insurance properly there could be hundreds of people being charged incorrectlyI'm disabled on social security with a fixed incomeI would hate if others like myself are being targeted and defrauded. Regards, *** ***

Please see attached responseRe: *** *** ID#: ***Mercantile Adjustment Bureau accepted payment from Mr*** to resolve and release Mr*** only, from accounts placed in our office by *** *** for third party collectionsMercantile deniesany allegations regarding
the co-signer.Mercantile posted and remitted all payments received by Mr*** to *** *** totaling $60, 150,to resolve and release Mr*** from account numbers *** *** ***The following is a breakdown of payments successfully posted and remitted to *** ***:***:$14,- posted 10/31/2011$7,- posted 11/29/2011$7,- posted 12/23/2011$,- posted 02/28/2012Total - $30,069***:$- posted 10/31/2011$- posted 2/1/2012$29,- posted 2/28/2012Total- $30,081Total posted and remitted to *** *** - $60,150We apologize for any inconvenience that this may have caused.Sincerely, Daniel F* Chief Compliance Officer

This complaint has been investigated Mr***'s account was resolved on March 28, for less than the full balanceThe remaining $was cancelled and there is a $balance on the account. Mercantile is offering to reimburse Mr*** for the cost of a LifeLock Standard
plan ($8.99/month) for years, upon receiving a copy of the service receiptPlease mail the receipt to my attention at 165 Lawrence Bell Drive, Suite 100, Williamsville, NY 14221.We apologize for any inconvenience that this may have caused. Sincerely, Daniel *** Chief Compliance Officer

This account was placed with our office on 10/31/for 3rd party collections by our client National Grid, for service at *** *** ** *** ** ***As a result of this dispute, we have submitted a deletion request to the credit bureausWe apologize for any inconvenience that this may
have causedSincerely, Daniel F* Chief Compliance Officer

Please see attached response.April7, 2016***, Complaint HandlerRevdex.com, IncBryant Woods SouthAmherst, NY 14228Re: *** ***ID#: ***Dear ***:This compliant was investigated and Mercantile attempted to process a VISA payment on 1/29/for $The VISA card declined due to an invalid CVV codePlease have Mr*** provide us with evidence that the $successfully processedMercantile did not report this to any credit bureauMr. *** would need to address that matter with *** ***we apologize for any inconvenience that this may have caused.Sincerely,*** ***Chief Compliance Officer

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear belowI notified the representative that there was a limit on my debit card that would prevent me from paying the full amount, I did not call this company with the intentions of faking a payment, so for the compliance officer to say that my payment just declined when I told the representative these specifics about my card does not sit right with meAlso, there did not need to be a follow up call, I told the representative that I would call her back when I could figure things out, there was no mention that because I called them that that gave them the right to call me at work, a retail store where other people can pick up the phoneBuffalo State College quoted me a number WITHOUT this company's interest fees...This company can get that money, WITHOUT the fees that Buffalo State College mentioned. Regards, *** ***

Please see attached response

I have a copies off all the supporting documentsI am trouble sending them for some reason, I will keep trying

Mercantile Adjustment Bureau was attempting to contact Ms*** regarding an account placed in our office by our client American Electric PowerPhone number *** was provided to us by our client as a contact number for Ms***As a result of this complaint, Mercantile has ceased
communication. We apologize for any inconvenience that this may have causedSincerely, Daniel F* Chief Compliance Officer