866-716-1545

This is the same debt collectors who call from 716-817-6409. Here is more info about them.

https://800notes.com/Phone.aspx/1-716-817-6409

they say the represent the state of kansas as a dept collector , what a crock of crap . i did not know the state used shark houses to collect dept

These guys call almost every weekend at 8:30 am and leave the same message - it's been going on for months!

Mercantile Adjustment Bureau, LLC
6390 Main Street
Williamsville, NY 14221
Depew, NY 14043
Phone: 800-480-7094
866-809-7506
and 716-929-8200
Fax: 716-929-8251

Also:
303 West Avenue
Rochester, NY 14611
Phone: 800-836-0592 & 585-328-2200
Fax: 585-463-2090
585-463-2085

Head Debt Collector:

Robert E. Roth, CEO
Jeffrey P. Miller, President

Web address: www.mercantilesolutions.com

http://www.budhibbs.com/debtcollectorpages/mercantile.htm

This indeed Mercantile Adjustment Bureau. My wife and I are dealing with these ninnys. They are attempting to collect a debt from some person whose name is a combination of my wife's name and my name (she didn't take my last name when we married). We called the phone company to verify and the billing and credit departments both verified and called these nitwits to tell them to lay off. I have received yet another call fom the following number: 877-254-0957. The problem with these people is that they can't take no for an answer. They operate on a commision basis, so they don't care if their information is correct or not. They also play tag team. I have been contacted by no less than 6 different people at as many different numbers. Don't call these idiots back!!!! If their claim were real they'd back it up on paper. Also, look for this number: 866-224-5075.

Know your rights!! http://www.fair-debt-collection.com/Disputing ... llectors.html#2

These idiots keep calling my home looking for a person who does not & has not ever lived at this address.  I have explained this to them many times and they still continue to call.
I have contacted the local police who stated to call the Better Business Bureau for best results.

A girl named Jen called me saying one of my old credit card accts was going to take me to court. This was an old college card from over 15 years ago! She claimed I owed thousands of dollars. She was nice about it, but made the call sound like it was a legal agency and not a collection agency. I told her the debt had been delt with and took her info. I don't plan on calling her back!

I am getting tons of calls from 1-716-817-6409 to call back to 1-866-716-1545 about my research and capitol account.  I have no such account.  The company is Mercantile adjustment bureau.  They never leave a message as to who they want to speak to, just to call back.

The person left a message that it was Mr. Baker and to call him back at 877-230-8414

I received a call on my personal cell phone number on March 31, 2008 at 2:02pm from a Mr. Laspada who passed himself off as the Denton County Sheriff's Department. (I thought it was illegal to impersonate an officer of the court?) He was looking for my 20-year-old daughter, Tara who has not lived with me in 3 years. I agreed (like a dope) to pay her credit card debt, on the stipulation that he not take my funds out of my account until Friday April 4th. Well guess what? Those theives took my money out of my account TODAY April 2nd, two days early. I called the liar Mr. Laspada back and he's conveniently not there in the office, and told Edward Albanese that if they did not reverse the charge today and put that money back into my account, I would contact legal counsel and have them brought up on theft charges. They gave me a verbal agreement to hold the transaction until this Friday and they are lying [***]. DO NOT PAY THESE CROOKS A PENNY.

A woman by the name of Debbie Hornsby called for my brother and that she needed to talk to him about a debt. When I called back and asked for the name of the company and city and state a man began insulting me saying that he would call me everyday and wake me up since I don't do anything with my life. I advised him he was being recorded and will be sued. I'm contacting my attorney today. The behavior of the employees at this company is upaccetable (I was a collector for years and know the laws that protect consumers from these people.)

My in laws have been recieving phone calls from this phone number and campany, mercantile adjustment burea. I don't live with them and have never given out their number as my own. They have never sent me anything in writing as to what they could be calling about. When I heard they were calling, I immediately thought this sounded very strange because I have absolutely no collections accounts and I have never had any accounts in collections in that past. I'm glad to see all of these other reports that they are a crock of crap and I won't be calling them back. I think I will have legal representation possibly call them. Thank you for you information on this phone #.

A man calling himself "Mathew" has called my house repeatedly for several months looking for my daughter.  Although he has her phone number, he told me it is my responsibility to see that she returns his calls.  I said my daughter is 40 years old, and it's been over twenty years since I've been responsible for her actions.  He became very rude and profane, and when I asked to speak to his supervisor, he said he didn't answer to anyone.  I asked if he signed his own paychecks, and when he replied in the negative, I requested to speak to the person who did pay him.  He said that was never going to happen, called me "loser just like my daughter," and hung up.  The name listed for the number he leaves is Mitch Clandrens, although when he calls, he always identifies himself as "Matthew."  This guy is a world class JERK!

They call every month or two for the last few years looking for an extended family member. They say our family member listed us as a "contact" (lie). They have accused us of trying to lie for or hide our family member from them. They said we could be in big trouble for covering for said family member. When they ask for the family member they give the wrong middle initial. The family member lives 350 miles away and is in NO way financially connected to us. Pure harassment! I told the man I would report him to the Better Business Bureau. He said, "Good luck!"

"Sherman" left a message to call back that number, no details

all day hang ups - no messages being left on voice messages or when a person answers the phone.

This number has been calling for weeks trying to locate a relative. I have told them repeatedly that the person does not live here. They have now resorted to cursing on the telephone. I do not feel that I should have to change my number to end these calls. I plan on speaking to an attorney on Monday, Sept 29,2008 to see what my next step should be. I will let the attorney know about this website. Anyone wanting to add an incident with this company will be appreciated.

August 2008     I was contacted by Mark Vogel who claims to be a manager attempting to collect a debt. A week after receiving their letter he leaves a message if I don't call him back he can go after my mortgage. On an unsecured credit card which I havent even had an opportunity to dispute or validate. He's out of his mind; and when I did call him back to verify


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August 2008     I have received a couple of phone calls asking me to call 1-866-716-1545 regarding a legal matter. They have been calling family members, ex-husband, etc. stating we are being sued and to call right away. So tonight there is a message from their "pre-litigation" dept and if we don't call back in 72 hours, they will file suit. I just received a letter from them one week ago and have already sent a DV letter to them asking them to not call.

So I call "Jason Mills" tonight and he explains that we owe this debt. I explained to him that I would not discuss it over the phone and that I have sent a letter to them. I also asked him to stopping calling my relatives and ex and he told me that he could and will call anyone he wants to. I told him that under Fair Credit laws that he was in violation and that I would in turn file suit if they did not stop calling and harassing my family, etc. and hung up. These people are rude and relentless with their calls, they must be stopped.


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April 2008    Eric from this agency has left threats if call is not returned in 2 hours. Pretends to be one of our personal friends. He talks forever on the machine never identifying himself.


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2007    Just wanted to update everyone to say...I succeeded in backing Pallino Rec. (Mercantile)and the NAF off of their bogus arbitration request. I wrote to NAF and Pallino (CMRR), requesting Pallino pay pay $150 for the participatory hearing my thinking, they wanted to arbitrate, they should pay the fee. Within 2 weeks I get a letter from NAF and Pallino, stating that the arbitration is "stayed pending receipt of documentation". I know Pallino couldn't verify the debt. I copied all correspondence to both Pallino and NAF. In one letter, I said that I thought it had to be illegal, and maybe a FDCPA violation to hold arbitration hearings without having plaintiff to provide verified documentation on the debt being arbitrated. The very last letter I sent specifically spoke to the the NAF's own rules being violated by Pallino i.e. NAF Rule 12 A(3) - requires a copy of the documents that support the claim and and Rule 12A(4) - req. an affidavit asserting that statements and documents in the claim are ACCURATE.
If I don't receive notification fr. NAF w/i 30 days dismissing the claim, I will write and ask that it is dismissed.
I did all the research and letters myself. During the same time, I also was successful in getting another JDB to voluntarily dismiss a lawsuit they brought against me in Magistrate's court. Once again, I hammered away at the fact that the debt needed to be verified before any further action could be pursued i.e. how could a JDB file suit on a debt they couldn't say for sure was mine!  It is possible to stop these bottom feeders. Now I'll move on to challenge the two idiot JDB's that have re-aged debts on my 3 CR's, but have not contacted me in any other way.


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2007    Woe to the world. With the supposed "death" of Harry Cohn, our alleged debt was sold to Resurgent Capital Services to be collected by Mercantile Adjustment Bureau LLC. Unfortunately for them, the Idaho State Attorney General and my attorney had already disposed of the legality of the debt two years ago. And so it begins - AGAIN


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2007    Just wanted to let you know that these shady characters now have a new name to use in their questionable activities - Pallino Receivables II, LLC.

They recently contacted me to inform me that I had been named as a respondent in a claim with the National Arbitration Forum. Since I had not been contacted by them before this letter (delivered via Fed-X) I wondered whether what they were doing was legal and whether they could validate their claim. I wrote registered, return receipt letters to Pallino and the NAF informing them both of my questions about the debt and the arbitration. The address Pallino had listed on the claim is not the location where the postal service finally delivered the registered letter 9 days after it was mailed. I just received a letter from the NAF, in response to my last letter requesting an in-person hearing, stating that if I did not respond to this letter cost $150, within 15 days from the date on their letter, my request would be denied and they would proceed with a document hearing. Nowhere in the claim forms I received was there mention of a particular choice of hearing costing any specific amount, nor was there mention that if you asked for an in-person hearing it would cost $150 w/i 15 days of the response fr. NAF noting your choice of this type of hearing.

I faxed and mailed copies of my formal response to the arbitration claim to Pallino and NAF the same letter via cm/rr, I have had no responses from Pallino/Mercantile. The address they used on the NAF claim was the one I used to send my letters. As it turns out, thanks to the PS, this IS NOT the correct street address or city for PR c/o Mercantile Adjustment, which would explain why it took 9 days for them to get my first letter.

This in the worst scam that I have ever heard of. The NAF is obviously in close collusion with PR/Mercantile. Beware of these slime bags!!! Apparently nothing they do is above board. I talked to several attorneys before I mailed the initial cease comm. letter (the one that took 9 days to deliver). I will be hiring one of those people tomorrow. I WILL NOT BE FLEECED AND DELUDED BY SOME SLEAZY ZOMBIE DEBT COLLECTOR... NOR THE BOGUS, RUBBER STAMP CROWD AT THE NATIONAL ARBITRATION FORUM.

To keep anyone else from having delivery issues (at least for today - these guys probably move every month), their address is:   Pallino Receivables II, LLC.c/o Mercantile Adjustment Bureau
303 West Avenue .......not 40 West Avenue
Rochester, NY 14611....not Buffalo, NY
FAX Numbers ( obtained fr. Upstate BBB) - (585) 463-2085 or (585) 463- 2090

Also read what the Upstate BBB has on file about these guys - a real eye opener.


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2007    I received a voicemail on my business phone from 'John'. I could not hear the entire voicemail, so I put the name and number on my 'to do' list. Tuesday morning at work, I answer the phone and it's John. He explains he is calling about a past debt from Triad Financial and wanted to know what I was going to do about it. I asked who he was and what company did he work for. He repeated his first name and Mercantile.

I told him my past debt was involved with my bankruptcy. He said the account/debt from Triad was dismissed and that I still owed the debt of $14,760.93. I told him I obviously need to make a couple of phone calls, that I would call him back. He was very nice and asked if I would be interested in hearing the settlement amount that Mercantile worked out for me? That I could pay $3096.17 to them by the end of the month and that I would be saving $11,000.00. I asked who negotiated on my behalf? Why wasn't I notified? He said the his company was hired by Triad to recover the debt and they'd be willing to settle for $3096.17 and that I had to act quickly. I again responded by I need to make a couple phone calls - can I call him back? He asked if I could hold, and then a 'John's Manager'- Ed Black got on the line; stated that John did not have the authority to offer me that deal - my case was being transferred to court. That my case had been sitting without any action by me since March '07. Of course no action by me!!!  He asked what 'John' had offered me and if that was something I'd be interested in? I asked him if I could make a couple phone calls and get back to him? He said he would hold.

I googled the company and found this website and freaked when the name of this company came up! I got back on the phone with 'Ed' asked if I could have something in writing and that I wanted to check into some things and get back to him. He told me the worse thing I could do would be nothing. That I should call him back as soon as I had some money. I gave him my fax number and enough he faxed me 'the deal'. I read more on the website and called Ed back asking for validation from the original creditor, he said that's what he faxed me. That they act as a agent for Triad, that I really didn't need anything else. I asked if I called Triad, would they be able to send me anything - he said no, they won't talk to you, because they have hired Mercantile to do the work. I asked him again why I was notified about this arrangement and why if this account was dismissed from the bankruptcy why didn't Triad contact me. He said they tried, but since I moved they didn't have my current address. I guess all of my personal information was easy for him to access. I'm sending a certified letter requesting validity of the debt and we'll see what happens next.


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2007    I received a call from them last night--caller ID,  had a New York area code. the notorious Buffalo crowd. When I picked up the receiver, no one said anything. I called the number back and the line was busy. Thank the Lord I discovered the Bud Hibbs website! my son has been having trouble with bills. The call may have been for him. I don't know, but I do know, that I do not want to deal with them. I will get in touch with someone on the consumer helpline and some other consumer advocacy staff that have bee referred from this site in order to get assistance. The next time they call, I won't answer the phone. I will speak to the experts first that have dealt with these people. I can't believe that in this country that people are actually able to do such things and get away with it! They use an ordinary household item like a telephone can be used as an instrument of terror against fellow American citizens. All of those consumers that have been victimized by these people should form a consumer protection coalition and lobby congress to overhaul the banking and financing system in this country in favor of the average man and woman instead of gearing everything toward the greedy and the wicked. The people that make their living at this must rear back and laugh at the people that they terrorize, thinking that what they are doing is funny. THis is serious business and some peoples' lives have affected for the worse long term. I've even read about two women whose children committed suicide due to the type of harassment that they were receiving at the hands of creditors. If the shoe were on the other foot and these "collectors/domestic terrorists" found themselves on the receiving end of their evil practices, maybe they would see the horrendous impact of their actions in peoples' lives. I also have a feeling that these people are generally cow awards


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2007    They have my business phone number on someone else’s account. I have no outstanding debts or loans to any agency.

This service uses an automated dialer to tell you to call them back. When I was able to reach the gentleman (same guy every time) I told him that he had my number mixed up with someone else. The first two times he said he would remove my number from the list.

The third time after asking for someone completely different than he asked for the other times he became quite belligerent telling me that I was wrong, that he just received the account and had not called me before. Keep in mind these calls are coming in on business lines – doesn’t look great for the employees to be fielding these calls. I would like to know how many people get that same “I’ve never called you before” lie. I can prove this is a lie as I have all of the call logs.

The fourth time I reminded him we had already gone over this information on three other occasions he called me he hung up the phone. I tried calling him back several times and each time he would pick up the receiver and hang up. It appears he also blocked my number – which I thought would stop this nonsense.

So - the fifth time I received the automated call I asked the Rochester NY fraud dept. (585) 428-6560 to look into this. It's a little odd that the name of the person they are looking for changes and that they have blocked my number but continue to call me. The police officer attempted to call them three times with no answer. Again - that number is (585) 428-6560 in the event you feel they might be running a scam, maybe a couple more reports will put them in line. I know I will be calling them frequently.

I have already listed with the FTC, and called the BBB for advice. Unfortunately as the debt is not mine and it appears to be a mix-up, and they are not conveying bodily harm it appears I have no recourse except to put up with this company calling my business several times a week. I'm pretty certain they do not know how to remove numbers from their auto dialer. I would be interested to know what legal avenues open up to me if I send registered letters of cease and desist – anyone else ever have this work?

Today I got another automated call – Seeing as how they have blocked my phone number but continue to harass me my only recourse is to write this up and send it to every employee email from their company I can find. I figured I would check the net and lo-and-behold there’s quite the volume of complaints so I figured I would post in all of these places as well. If anyone has some home phone numbers or other emails post them up so I have more ears to bend.

Mercantile Adjustment Bureau - Rochester Office and Headquarters    40 West Avenue, Rochester, NY 14611
Phone: 585-328-2200    Toll Free: 800-836-0592      716-328-2200 – their vendor registration line

Buffalo Office   6390 Main Street   Williamsville, NY 14221   Phone: 716-929-8200   Toll Free: 800-480-7094

Human Resources  Rochester, NY 14611   Phone: 585-463-2080 hr@mercantilesolutions.com

Sales and Marketing  Williamsville, NY 14221  Phone: 716-929-8219  kkuryak@mercantilesolutions.com

Oh – and by the way – Rochester NY Fraud dept. (585) 428-6560

*my dad has a credit card in  his name, i am not on it, have never used it*
This company is going after my dad for a Discover card. My dad used HIS card in HIS name to pay for a transmission in my car. I paid my dad back in a few months, and actually got him to write me a receipt. Now, he hasn't paid the bill. My dad doesn't remember me paying him. So, he is coming after me for the money! (my dad is known for throwing me under the bus if it suits him)
So, he gives these people MY HUSBANDS work number. They tell my husband they have my dad and my sister on tape saying I committed credit card fraud.
I immediately called the transmission shop where my dad got the work done and had them fax a receipt that MY FATHER SIGNED!
Mind you, this card is in my dad's name. I never signed for anything...
And now they are  harassing my husband who is a doctor at a hospital.
UNREAL!!!!!
So, I called back saying that I needed to speak to Mr. Seawar and I got another person who told me I was a fraud and that I don't pay my bills, etc.
What a piece of crap company!!!!!!!!!!
Thank god I have these receipts.
Keep everything people!!!!!! Even your own family will screw you over if it benefits them.

This person has been calling my husband's whole entire family trying to reach me. It is