Total CFPB complaints
43
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 43 complaints
Mid-Atlantic Consumer Services — Debt Collector Complaint Profile
CFPB complaint profile across 21 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Mid-Atlantic Consumer Services
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
10 complaints
- Communication tactics
Communication tactics
8 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
7 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
5 complaints
- Attempts to collect debt not owed 3
Attempts to collect debt not owed
3 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
C
Grade C · 59.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Mid-Atlantic Consumer Services?
Mid-Atlantic Consumer Services has accumulated 43 total CFPB complaints across 21 states, with 0 filed in the most recent 12 months against 43 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 81% timely-response rate against a 13% 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 21 states, led by California with 5 and Ohio with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.6/100 places Mid-Atlantic Consumer Services in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
21
Distinct state filings
Timely response rate
81%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
C
59.6/100 composite
Response-quality profile
How Mid-Atlantic Consumer Services performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 81.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 26.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 37.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Mid-Atlantic Consumer Services compare to its peers?
Mid-Atlantic Consumer … 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)
2015-04 2021-04
Top Consumer Issues
Cont'd attempts collect debt not owed10 (%)
Communication tactics8 (%)
Taking/threatening an illegal action7 (%)
Attempts to collect debt not owed3 (%)
Improper contact or sharing of info5 (%)
Disclosure verification of debt2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 8 |
| Communication tactics | Threatened to take legal action | 5 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 5 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Improper contact or sharing of info | Talked to a third party about my debt | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 2 |
| Improper contact or sharing of info | Contacted employer after asked not to | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
Where do complaints against Mid-Atlantic Consumer Services come from?
The states where consumers have filed the most CFPB complaints against Mid-Atlantic Consumer Services. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Mid-Atlantic Consumer Services
Across 21 states with at least one filing
- California
California
5 complaints
- Ohio
Ohio
4 complaints
- Florida
Florida
4 complaints
- Pennsylvania
Pennsylvania
4 complaints
- Nevada
Nevada
3 complaints
- Louisiana
Louisiana
3 complaints
- Georgia
Georgia
3 complaints
- North Carolina
North Carolina
2 complaints
Frequently Asked Questions
What is the most common complaint against Mid-Atlantic Consumer Services? ▼
The most common issue consumers report about Mid-Atlantic Consumer Services is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 43 complaints filed with the CFPB.
Are complaints against Mid-Atlantic Consumer Services increasing or decreasing? ▼
Complaints against Mid-Atlantic Consumer Services have been stable. The company received 0 complaints in the last 12 months.
What is Mid-Atlantic Consumer Services's reputation grade? ▼
Mid-Atlantic Consumer Services has a reputation grade of C (score: 59.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Mid-Atlantic Consumer Services respond to consumer complaints? ▼
Mid-Atlantic Consumer Services has a 81% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.
In how many states does Mid-Atlantic Consumer Services operate? ▼
Mid-Atlantic Consumer Services has received CFPB complaints from consumers in 21 states, with the most complaints from California (5 complaints).
What can I do if Mid-Atlantic Consumer Services 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 Mid-Atlantic Consumer Services 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 |