Total CFPB complaints
214
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 214 complaints
M.A.R.S., Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 28 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about M.A.R.S., Inc.
- False statements or representation
False statements or representation
50 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
50 complaints
- Written notification about debt
Written notification about debt
38 complaints
- Took or threatened to take negative or legal action 15
Took or threatened to take negative or legal action
15 complaints
- Cont'd attempts collect debt not owed 11
Cont'd attempts collect debt not owed
11 complaints
- Communication tactics 6
Communication tactics
6 complaints
D
Grade D · 53.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about M.A.R.S., Inc.?
M.A.R.S., Inc. has accumulated 214 total CFPB complaints across 28 states, with 44 filed in the most recent 12 months against 170 historical complaints before that window. The trailing-12-month volume represents 20.6% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 41% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 28 states, led by Oklahoma with 85 and Texas with 36, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.2/100 places M.A.R.S., Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
44
20.6% of total history
Stable →
States active
28
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
41%
After company response
Reputation grade
D
53.2/100 composite
Response-quality profile
How M.A.R.S., Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 81.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 50.0%
Share of US states + territories with at least one filed complaint against this collector.
How does M.A.R.S., Inc. compare to its peers?
M.A.R.S., Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
False statements or representation50 (%)
Attempts to collect debt not owed50 (%)
Written notification about debt38 (%)
Took or threatened to take negative or legal action15 (%)
Cont'd attempts collect debt not owed11 (%)
Communication tactics6 (%)
Disclosure verification of debt5 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 50 |
| Attempts to collect debt not owed | Debt is not yours | 31 |
| Written notification about debt | Didn't receive enough information to verify debt | 29 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 15 |
| Cont'd attempts collect debt not owed | Debt is not mine | 11 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| Written notification about debt | Didn't receive notice of right to dispute | 9 |
| Attempts to collect debt not owed | Debt was result of identity theft | 9 |
| Communication tactics | Frequent or repeated calls | 6 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
Where do complaints against M.A.R.S., Inc. come from?
The states where consumers have filed the most CFPB complaints against M.A.R.S., Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against M.A.R.S., Inc.
Across 28 states with at least one filing
- Oklahoma
Oklahoma
85 complaints
- Texas
Texas
36 complaints
- Kansas 20
Kansas
20 complaints
- Mississippi 11
Mississippi
11 complaints
- Arkansas 10
Arkansas
10 complaints
- Illinois 5
Illinois
5 complaints
- Indiana 4
Indiana
4 complaints
- California 4
California
4 complaints
Frequently Asked Questions
What is the most common complaint against M.A.R.S., Inc.? ▼
The most common issue consumers report about M.A.R.S., Inc. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 214 complaints filed with the CFPB.
Are complaints against M.A.R.S., Inc. increasing or decreasing? ▼
Complaints against M.A.R.S., Inc. have been stable. The company received 44 complaints in the last 12 months.
What is M.A.R.S., Inc.'s reputation grade? ▼
M.A.R.S., Inc. has a reputation grade of D (score: 53.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does M.A.R.S., Inc. respond to consumer complaints? ▼
M.A.R.S., Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 41% of cases.
In how many states does M.A.R.S., Inc. operate? ▼
M.A.R.S., Inc. has received CFPB complaints from consumers in 28 states, with the most complaints from Oklahoma (85 complaints).
What can I do if M.A.R.S., Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If M.A.R.S., Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |