Mercantile Adjustment Bureau LLC

I investigated this complaint regarding an account placed in our office by our client Consolidated EdisonA letter was mailed to Mr*** at the address provided by our client, *** *** *** *** *** ** *** on December 30,and there was no mail returnWe have requested
validation to be sent to Mr*** at *** *** *** *** *** ** ***Due to this complaint, we have submitted a request to the delete the reporting from the credit bureaus as a courtesy. We apologize for any inconvenience that this may have causedSincerely, Daniel *** Chief Compliance Officer

This complaint was investigated and phone number ###-###-#### has been removed from our system and placed on our "Do Not Call List"Our office was attempting to reach *** ***Ms*** notified Mercantile on September 6, at :AM that the wrong number was being calledThe phone
was removed from the account at that timeOn September 7, 2016, Ms*** notified Mercantile that she received another call during the afternoon on September 6, Ms*** was then advised that it can take up to hours for a phone number to be removed from the automated dialing system due to the phone number being pre loaded into the system prior to her 11:AM notificationPhone number ###-###-#### will no longer be dialed by Mercantile. We apologize for any inconvenience that this may have caused. Sincerely, Daniel Frisicaro Chief Compliance Officer

As a follow up to Ms***'s complaint, Mercantile Adjustment Bureau provides third party debt collection services for Rochester General HospitalMercantile is not a billing company and Ms***would need to contact Rochester General Hospital directly regarding any billing issuesThis was the only account placed in our office by Rochester General Hospital for Ms***. We apologize for any inconvenience that this may have caused. Sincerely, Dan *** Chief Compliance Officer Mercantile Adjustment

This complaint was investigated and on November 21, 2016, Ms*** called Mercantile Adjustment Bureau regarding her account with SUNY Buffalo State College and to set up a payment which declinedMs***' s mother then called Mercantile to discuss the account and expressed
dissatisfaction with the amount due, collection fees and the account being sent to collections in accordance with the terms of the tuition agreementThe outstanding balance was preventing Ms*** from registering for classesA follow up call was then made to Ms*** to explain the situation and there was no prior notification that Ms*** did not want calls at workWe haveremoved Ms***'s phone numbers and there will be no further calls from our officeWe apologize for any inconvenience that this may have caused. Sincerely, Daniel *** Chief Compliance Officer Mercantile Adjustment

Mercantile Adjustment Bureau received this account from our client *** *** and spoke to Mr** on December 1, Mr** was advised that this was regarding an auto loan due to the client coding of the accountA request for verification of debt was requested from Citizens BankOn
January 20, 2016, the loan application was received and mailed to MrTaIt was determined that the loan was actually a student loan for *** ***e which was applied for on 8/21/A copy of the application which was mailed to Mr** is also attachedWe apologize for any inconvenience that this may have causedSincerely, Daniel F* Chief Compliance Officer

Thank you for bringing this matter to our attention.I investigated this complaint and Mercantile has requested validation to be sent to Mr***We havealso submitted a request for a credit reporting deletion.We apologize for any inconvenience that this may have caused.Sincerely,Daniel F*

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
FChief Compliance OfficerMercantile Adjustment Bureau, LLC

This complaint was investigated and our office spoke to Mr*** on May 31, regarding an account placed in our office for 3'd party collections by our client Consolidated EdisonMr*** set up payment arrangements at that timeAs a courtesy, Mercantile has submitted a request to remove the
credit reporing from the bureausWe apologize for any inconvenience that this may have caused. Sincerely, Daniel Frisicaro Chief Compliance Officer

This complaint was investigated and on October 7, 2016, our office spoke to Ms*** regarding aletter that she received from our officeIt was explained to Ms*** multiple times that the wrongreceipt letter was mailed to her and no money was taken from her checking accountThe only
paymentsprocessed were payments which Ms*** madeThe letter that was sent is used for customers whopay by electronic funds transfersMercantile denies all other allegations and has ceased collectionactivity on this account.We apologize for any inconvenience that this may have caused.Sincerely,Daniel FChief Compliance Officer

I investigated this complaint and reviewed the call recordings between Mercantile and Ms ***.Mercantile spoke to Ms***'s sister on April 6, and then Ms*** called Mercantile on May 22,inquiring about setting up payments on her sister's *** *** ***
account.Mercantile offered different payment arrangements to attempt to work with Ms***Mercantileexplained to Ms*** that if she would like to take advantage of a settlement, the first part of thepayment needed to be made this monthThe entire conversation with Ms*** 's sister and the call withMs*** were cordial and there was no evidence of the allegations in the complaintThe call with Ms.*** ended with Mercantile advising Ms*** to review her financials and call back when shedetermined what she was going to doMs*** then called back and set up a payment arrangement.Due to Ms***'s request in the complaint to lower her payments, the previous payment series whichwas set up has been cancelledMs*** may contact Mercantile to set up another payment arrangement.We apologize for any inconvenience that this may have caused. Sincerely, Daniel FChief Compliance Officer

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

Thank you for bringing this matter to our attentionMr*** 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, *** *** ***We apologize for any inconvenience that this may have causedSincerely, Daniel F* Chief Compliance Officer

Please see attached response.April 1, 2016Thank you for bringing this matter to our attentionWe have transmitted a copy of the complaint to our client B*** ** ***The phone numbers associated with this account have been removedNo further contact will be made.We apologize for any
inconvenience that this may have causedIf you have any questions or would like to discuss this further please feel free to contact me directlySincerelyDaniel F Chief Compliance Officer

Our office attempted to contact Ms*** at ***, but were unable to reach herAs requested, we have submitted a credit report deletionMs*** may contact our office at 1-800-480- to discuss this matter.We apologize for any inconvenience that this may have caused
Sincerely, Daniel *** 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 for third party collections by our client *** ***
for service at *** *** ** *** *** ** ***Mercantile has requested validation documents from our client to be sent to Mr***Mercantile has not reported this account to any credit bureaus.We apologize for any inconvenience that this may have causedSincerely, Daniel F* Chief Compliance Officer Mercantile Adjustment Bureau, LLC

I investigated this complaint and our office spoke to Ms*** 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 ***Chief Compliance Officer

I investigated this complaint and our office spoke to Ms*** and sent the requested paid in fullletters to ** *** *** *** ** *** 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 ***Chief Compliance OfficerMercantile Adjustment

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 below
Regards, *** *** *** ***
According to our bank statements payments were taken out as follows:9/30/payment taken out 10/02/$#900110/30/ " " " 11/03/14 $#900211/30/14 " " " 12/03/14 $#900312/30/14 " " " 01/02/15 $#900402/28/15 " " " 03/03/15 $183.33 # ***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, *** *** *** ***

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 below. I have read the "*** *** Payment Plan" that someone signed (I didn't sign that paper)As I looked that signed paper, I have no idea who/someone got my SSN and DOBEverything looks correct except that on the right side, my home phone number is wrong on that paper, I don't own the home as it was checked mark on the paper, and my email address is wrong ***)I don't ever have juno email addressAlso I didn't check mark "I authorized *** *** to obtain a credit report to make a loan decision either. Also on the top of the document, I didn't put check mark on "College/University", I don't even know where is "*** ***" and the loan amount is $3,Don't know where that amount of money comes from either. As I already said, I've never worked for *** ***e, don't own the house, don't have that juno email account and don't make $68,annually eitherThis loan information is totally bogus. Regards, *** **

Would like debt validated and or removed from my credit reports (if applicable)