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Mercantile Adjustment Bureau LLC


165 Lawrence Bell Dr Ste 100
Williamsville, NY 14221-7900

Contact Them:

Phone: (716) 929-8200
Fax: (716) 929-8204

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Brendan W. on April 11, 2015 at 10:56 pm

      I have been making payments on my account monthly with Mercantile Adjustment Bureau. My bill is from college and I am trying to pay my debt off so I can go back to school. Last month I went into my Mercantile Adjustment Bureau account online and the amount due was about $472. Today I went into my account online to pay the full amount and the amount to pay is $100 more. So I called Mercantile Adjustment Bureau to ask why it was so much so I got transferred to a supervisor who was very nasty, loud, and rude.

    2. [anonymous] on May 29, 2015 at 10:32 pm

      I read that Mercantile Adjustment Bureau was sued because they stated of a balance being due and payable immediately in an initial validation letter. Not sure if the Court found that Mercantile Adjustment Bureau made a deceptive statement.

    3. Kathryn S. on October 2, 2015 at 11:05 pm

      Mercantile Adjustment Bureau LLC is collecting for M and T Bank. Mercantile Adjustment Bureau LLC calls a lot but will not send anything in writing.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.