Who Called From 716-929-8200?
Short answer: 716-929-8200 is a number used by Mercantile Adjustment Bureau (Mercantile), a third-party collection agency based in Buffalo, NY — buffalo, ny headquarters line. They are almost certainly trying to collect a debt, most often credit card debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 716-929-8200?
The number 716-929-8200 is used by Mercantile Adjustment Bureau (buffalo, ny headquarters line), a third-party collection agency in Buffalo, NY. For the full company profile — ownership, history, and known aliases — see our complete Mercantile Adjustment Bureau guide. This page focuses on the calls coming from 716-929-8200 specifically.
About this specific number
- 📞 Number: 716-929-8200 (area code 716, ending in 8200)
- 📍 Line type: Direct-dial — resolves to Buffalo, New York.
- 🏢 Operator: Mercantile Adjustment Bureau, a third-party collection agency in Buffalo, NY.
- 🔢 Related lines: Mercantile Adjustment Bureau is documented using 1 number in our directory, so calls may also come from other digits.
716-929-8200 is a direct-dial number tied to Buffalo, New York, which is why the call may have appeared "local" on your caller ID even though Mercantile Adjustment Bureau operates out of Buffalo, NY.
Some carriers display 716-929-8200 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Mercantile Adjustment Bureau.
On your caller ID, in voicemails, or in letters, this company can also appear as: Mercantile, MAB, Mercantile Adjustment Bureau LLC.
Why Is Mercantile Calling Me From 716-929-8200?
In our directory, 716-929-8200 is tracked as a buffalo, ny headquarters line for Mercantile Adjustment Bureau, which typically collects credit card debt, telecom, utilities. A call from 716-929-8200 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Mercantile Adjustment Bureau to collect on behalf of the original creditor.
- ✅ Mercantile Adjustment Bureau is now dialing you from 716-929-8200 and possibly other lines to reach a resolution.
Calls from 716-929-8200 often come right after a billing cycle closes. Some people report that 716-929-8200 calls once and hangs up, then tries again from a different Mercantile Adjustment Bureau line hours later. A single missed call is not proof of a valid debt. When 716-929-8200 shows up on your caller ID, it is worth checking whether the Mercantile Adjustment Bureau account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Mercantile Adjustment Bureau prove the credit card debt in writing first.
Important: a phone call — even from a real number like 716-929-8200 — does not prove you owe the debt, that the amount is correct, or that Mercantile Adjustment Bureau can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 716-929-8200
Anything you say to Mercantile can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 716-929-8200 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Mercantile Adjustment Bureau.
Don't agree to a payment on the spot
A single payment to Mercantile Adjustment Bureau — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 716-929-8200.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 716-929-8200. Any legitimate Mercantile Adjustment Bureau resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 716-929-8200 caller. If it truly is your Mercantile Adjustment Bureau account, they should already have what they need and must prove it.
What To Do If 716-929-8200 Keeps Calling
Here are concrete next steps for this specific Mercantile Adjustment Bureau line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 716-929-8200 as a contact labeled "Mercantile Adjustment Bureau — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 716-929-8200 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Mercantile Adjustment Bureau identify the original creditor behind the 716-929-8200 calls and the date the debt was opened.
Your Rights When Mercantile Calls From 716-929-8200
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Mercantile a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Mercantile Adjustment Bureau reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 716-929-8200: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Mercantile Adjustment Bureau stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Mercantile generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Mercantile from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 716-929-8200
We investigate the specific Mercantile Adjustment Bureau account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Mercantile account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Mercantile Adjustment Bureau. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
716-929-8200 — Frequently Asked Questions
Who is calling me from 716-929-8200?
716-929-8200 is a direct-dial line associated with Mercantile Adjustment Bureau (also seen as Mercantile), a third-party collection agency headquartered in Buffalo, NY and operating since 1926. The number resolves to Buffalo, New York. If you received a call from 716-929-8200 — often showing the last four digits 8200 on your screen — it is very likely Mercantile Adjustment Bureau attempting to reach you about a debt they say you owe, most often credit card debt, telecom, utilities.
Is 716-929-8200 a scam number?
Mercantile Adjustment Bureau is a real, registered company, and 716-929-8200 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Mercantile, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 716-929-8200?
You are not legally required to answer 716-929-8200 or call Mercantile Adjustment Bureau back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Mercantile Adjustment Bureau must pause collection until it mails you proof of the debt.
Why is Mercantile Adjustment Bureau calling me about credit card debt?
A call from 716-929-8200 usually means an original credit card debt went unpaid and was placed with Mercantile Adjustment Bureau, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Mercantile Adjustment Bureau from calling 716-929-8200?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Mercantile Adjustment Bureau to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 716-929-8200 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Mercantile Adjustment Bureau is calling about?
Do not pay anything based on a call from 716-929-8200 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
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