Mercantile Adjustment Bureau LLC

Thank you for bringing this matter to our attention.I investigated this complaint and Mercantile has removed phone numbers ###-###-#### and [redacted].We apologize for any inconvenience that this may have caused.Sincerely,Daniel F[redacted]Chief Compliance Officer

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]

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 have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.   This agent did not even listen to the correct call. He only listened to the last call that was made. Regards, [redacted]

Please see attached response.March 4, 2016[redacted], Complaint HandlerRevdex.com, Inc.I 00 Bryant Woods SouthAmherst, NY 14228Re: [redacted] [redacted]ID#: [redacted]Dear [redacted]:Thank you for bringing this matter to our attention. We have transmitted a copy of your complaint to our client...

Bank of America. Recordings of all calls have been reviewed and there was never any threat of legal action. Furthermore, Mercantile denies allallegations of any legal violations. Any settlement offer requires the approval of our client and Mercantile is only able to offer what is approved. Mercantile 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

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

Attached is a copy of the paid in full letter.

Mercantile Adjustment Bureau received this same written request for validation from Mr. [redacted] on  December 29, 2015. Validation was mailed to Mr. [redacted] on December 29, 2015 and a copy is also included with this response. Mercantile 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

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 work. Mercantile does not add interest or any other fees. Any 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 to. We 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 caused. Sincerely, Daniel [redacted]  Chief Compliance Officer

This is the first notification of dispute that our office has received regarding this account. We 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

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]

September 17, 2015[redacted], Complaint HandlerRe: [redacted]-[redacted]ID#: [redacted]Dear [redacted]:Thank you for bringing this matter to our attention.Our office spoke to Ms. [redacted]-[redacted] on July 23, 2015 regarding her account with [redacted]College. Ms. [redacted]-[redacted] claimed that the college advised...

her that Mercantile was able to reduce theinterested. Mercantile contacted the client on July 23, 20 I 5 to request an interest reduction, as Mercantiledoes not have the authority to do so without authorization. The client responded that only $1 00 in interestcould be waived. Mercantile spoke to Ms. [redacted]-[redacted] on July 25, 2015 to infonn her of thecollege's offer. Ms. [redacted]-[redacted] accused our office of lying to her. Our office reached out again toour client and our client then agreed to waive the entire $200 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

I investigated this complaint regarding an account placed in our office by our client [redacted].Our office received Mr. [redacted]' account on July 13, 2016. Mercantile Adjustment Bureau, LLC sent Mr.[redacted]' an initial letter on July 14, 2016 to the address provided to us by our client,...

stating that the accountwas assigned to our office by our client for collections. A copy of the letter has been attached. Mercantilefirst reported this account to the credit bureaus as a collection item on September 30, 2016. Our clientnotified our office on January 4, 2017 that the account was paid in full, paid directly to them, and ouroffice reported the account as paid in full to the credit bureaus on January 25, 2017 and sent Mr. [redacted] aletter stating that payment was received and the account was paid in full. Mercantile has submitted arequest to delete the credit reporting item from Mr. [redacted]' credit report.We apologize for any inconvenience that this may have caused.Sincerely,Daniel F[redacted]Chief Compliance Officer

June 9,2016[redacted] Complaint HandlerRevdex.com, Inc.100 Bryant Woods SouthAmherst, NY 14228Rc: [redacted]ID#: [redacted]Dear [redacted]This complaint was investigated a deletion request was submitted to the credit bureaus on June 1, 2016.We apologize for any inconvenience that this may have...

caused.Sincerely,Daniel F[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, 2017 between the Mercantile Adjustment Bureau, LLCagent and Ms. [redacted], Ms. [redacted]'s sister. The length of the call is 2 minutes and 48 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 up. Oh 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 purpose. We werecalling regarding the [client's name] account that was recently placed in our office. This looks like this was inreference to the auto loan that you had taken out with them in October 2006. Right now there is a deficiencybalance owing on the loan and you have $7,539.94. 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, 2017. 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 that. So, 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]."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 this. Just 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 account. Right 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

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. [redacted]'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

I investigated this complaint and we have transmitted a copy of [redacted]' written communicationto our client Bank of America. Mercantile has ceased collection activity on [redacted]' account andthe account was returned to our client on January 3, 2018. Mercantile did not report this...

account to thecredit bureaus. Mercantile is bonded in the state of Texas and complies with all federal and staterequirements. We apologize for any inconvenience that this may have caused.Sincerely,Daniel F[redacted]Chief Compliance OfficerMercantile Adjustment