866-716-1545

We received a very rude call from someone named Lori Warner or something saying we have not answered her calls and she had to call "yet again." We have no idea what this is about.  I don't appreciate these kinds of calls when we have done nothing wrong.  Very irritating on the weekend especially.

They have left 2 messages on my machine so far saying they are calling about some kind of account that I don't have.  It almost sounded like it could have been an actual person leaving the message but after receiving the 2nd one and hearing that it is identical to the first, it's definitely a recording.

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

ive gotten 2 calls from this number rude also telling meto call them back about some account ad a file number

Mercantile Adjustment Bureau has been calling my relatives and leaving messages for me to contact them.  Latest message was from a Veronica Alverez

I keep getting calls from these numbers as well.  I have no idea who they are.
I think it has to be a scam of some sort.  They claim it has to do with a contract dispute.  I don't buy it.

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

This place is calling my husband's whole entire family. When i try to get in touch with them the telephone number does not work. What is that nonsense.

Person called and said, "Laura?"  When I said yes? she said this is a call about a legal matter and the last 4 #'s of your SSA are XXXX, correct?  I said 'no,' and hung up.  What I want to know is how they got my unlisted cell phone number?????

Today a serious-sounding woman called from Pre-legal Mercantile Adjustment Bureau trying to contact my son. She gave this very number that other people are referring to, 1-866-716-1545 She refused to talk to me and said he must call her, or "her client is prepared to go ahead in legal procedings."

My son has been victim of fraud before (I made a mistake in the past by paying a "collection" bill for him that turned out to be a fraud. After I paid that bill, we started getting other "collectors'" bills, but by that time we understood that it was all fraud and reported them to the police and Attourney General. I don't think anything happened to them, but the "bills" stopped after we ignored them for a while.

But now this call - I decided to check them on Google, and thankfully, found all these complaints.  I am mot going to have my son call them back - life is too stressful as it is.

A woman called my father, who lives over 500 miles from where I do, from this number.  She told him she needed to talk to me about my "settlement" and when he asked for more information, she said it was a private matter and could only speak to me about it.  She then asked him for my number, and he said that was a private matter and wasn't providing it.  She gave him this number, 1-866-716-1545, for me to call.  I immediately Googled the number as I saw on the news this evening how these "scams" are getting more and more common, and lo and behold, I found this.  Needless to say, I won't be calling the lady back.

These people are so rude, weekly, they call my 80 year old mother posing as a friend and lying about my wanting them to call me and for her to give them the number.  Finally they found my number and started calling here from "pre legal" and without my calling them all hell is going to break loose.  They are relentless and I am writing to them to refuse the debt caused by an ex in my name.  More to come...

I have received three phone calls from 1-866-716-1545 asking for a "Martha" of my same last name.  When I tell them that I know no Martha, they get very rude and hang up.  Who are these people and what do they want?

I got a phone call from someone calling himself "William Lovejoy" from Mercantile Bureau. He was looking for a family member of mine--who does not live with me. After telling him that I'm not close to this family member and do not have her number or anyway to contact her, he asked me to give her a message. I said, 'ok,' simply to get him off the phone at the time--knowing that I would probably not see this family member any time soon. Today he calls again and again I reiterate that I'm not close to this family member. This time he gave me a phone number he says belongs to the family member he is looking for (so why is he calling me?) and tells me that the phone is registered to me. I know for a fact that it is not true and I call him on it. He then says, "it is...and this can hurt your credit score." I told him never mind my credit score. I know my credit score and I also know that he's lying. He states something that sounded to me like " the social is," and gives me a number (which sounded like a social security number to me) and asks "is that you?" It was neither my social or my phone number and I told him so. He then asks," you're not..." and then states my mother's name (who was also not the family member he was looking for.)I told him "No. Do I sound like a woman?" He then says, "I do not know if that's a woman or man's name." Obviously he is full of lies because when I picked up the phone he asked for Keith...which sounds nothing like my mother's name, which is also an obvious female name.

So by this point, I am a little ticked. I think he just told me someone else's social security number--grant it it might have been my mothers--but then again who knows. I don't think that that should be legal. Being ticked off that now not only did he contact me 2 times for someone else--a family member whom I am not close to--he now gave me what I think is someone elses social security number without my asking for it, he told me a number he said was for my family member he was looking for--which is more than what I have--I told "Mr. Lovejoy", "this has nothing to do with me, it apparently is between him and this family member of mine, and could he take me off his call list. He said, "I can call you whenever I want." And I told him "fine call me whenever you like, but..." and before I could say anything else he hung up on me. I was going to tell him I was going to report him and his company and see what's up with them.

After doing some further research I found out that this Mercantile Bureau has a whole bunch of complaints against it. They are apparently a junk debt collection agency that has all kinds of accustations against them onthe legallity of how they conduct their business. Not only that, I found out through a friend that they had contacted the family member a few weeks ago, and spoke to that family member about the time I first got a call from "Lovejoy." So, why are they calling me? It's got nothing to do with me about a family member I'm not close to. I'm not a sensitive type, but this feels like harassment.

My mom is getting calls from this number (866 716 1545) even though she doesn't have any debts that she is aware of and record messages are quite threatening. Its truly a brave new world of telephone scams when not only are they trying to trick you but they are also threatening you -- that kind of unwarranted harassment has to be illegal. I'll refer her to this web page.

Just received a call from this number at my place of business. When I picked up it was a recorded message asking me to call back "Mr. Frost". I called the number back and it disconnected as soon as it picked up.

Someone from this number is calling a place of business. I was under the impression that these people were not to call a business?

I have a simular story with these rip-off artist. A woman named Pam Moran called my brother, who lives over 700 miles from where I do, from this number 716-929-8527.  She told him she needed to talk to me about my "settlement" and when he asked for more information, she said it was a private matter and could only speak to me about it.  She then asked him for my number, and he said that was a private matter and wasn't providing it.  He asked how she got his unlisted number and she said it was in her court records as a close relative. She gave him this number, 716-929-8527, for me to call. Knowing I have no "settlement" pending I immediately Googled the number and found out who they were. I reconized the 866-716-1545 number, and know that they have been calling several times a day, almost every day, for over 3 weeks.  I do not answer unknown or blocked calls. They don't leave a message, so I ignored them. When I finally called Pam she was so obnoxious I told her to f-off and hung up. But not before telling her, that what she was doing was totally illegal and I would be contacting a lawyer about this harrassment.  If I receive another call from them I will do just that.  Take a look on line and see how many law suits these people have against them for unethical collection tactics.
If you get a call from them don't bother to try to work things out with them.  They are scam artist.

These people have been calling me off and on for several years.  Their calls started again a few months ago. Never does a person respond when I answer the call. Only a pre-recorded message to call them back. I did this once. I was placed on hold!!! In the past two days I have received 4 phone calls from them.

They keep calling every day for a person not at my number.