This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 112 complaints

Mid-Atlantic Finance Co., Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade D.

Complaints by issue type

What consumers report about Mid-Atlantic Finance Co., Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record mid-atlantic-finance-co-inc Mid-Atlantic Finance Co., Inc.

Grade D · 112 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed

  • VOL 112
  • GRADE D
  • 12MO 42
  • STATES 22
  • TIMELY 99%
  • DISPUTE 33%
  • ISSUE Attempts to collect debt n…
  • RANK #775
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Escallate, LLC (112 complaints)

Escallate, LLCEscallate, LLC112Selene Holdings LLCSelene Holdings LLC112Sunset Management, IncSunset Management, Inc112Mid-Atlantic Finance Co., Inc. (this)Mid-Atlantic Finance Co., In…112McCalla Raymer Leibert Pierce, LLCMcCalla Raymer Leibert Pierc…113
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Mid-Atlantic Finance Co., Inc.'s 112 CFPB complaints sit next to Escallate, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 112 complaints break down

Every complaint issue type on record for Mid-Atlantic Finance Co., Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.5/100
Mid-Atlantic Finance Co., Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
112
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
33%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

30.4% of Mid-Atlantic Finance Co., Inc.'s CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Texas 30.4%
34 of 112 filings · 22 states touched
Spike month
2026-01 17.5%
7 filings that month · spiky (≥15% of series)
Corpus ranks
#775 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Mid-Atlantic Finance Co., Inc. compare to its peers?

How does Mid-Atlantic Finance Co., Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Mid-Atlantic Finance Co., Inc. National average
Complaints (last 12 mo)lower is better
42
0
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
33%
28%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Mid-Atlantic Finance Co., Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 50%60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Mid-Atlantic Finance Co., Inc. vs. 8 similar-volume peers, by response speed and dispute rate Mid-Atlantic Finance Co., Inc.ESCALLATE, LLCSunset Management, IncMcCalla Raymer Leibert Pierce, LLCAlpine Credit, IncMar Joe EnterprisesStanislaus Credit Control Service, Inc.Rocket Mortgage, LLCPeter Roberts & Associates, Inc.
Source: CFPB Consumer Complaint Database

Mid-Atlantic Finance Co., Inc.'s complaint volume in context

Mid-Atlantic Finance Co., Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

112 Top 14% higher than 86% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). This entry sits in this band. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Mid-Atlantic Finance Co., Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2021-07 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
44
Took or threatened to take negative or legal action
31
False statements or representation
21
Written notification about debt
10
Communication tactics
3
Cont'd attempts collect debt not owed
1
Improper contact or sharing of info
1
Electronic communications
1

Where do complaints against Mid-Atlantic Finance Co., Inc. come from?

Mid-Atlantic Finance Co., Inc.'s own per-state count, not a national baseline.

Top states by complaints against Mid-Atlantic Finance Co., Inc.

Across 22 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Mid-Atlantic Finance Co., Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 112.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.94736842105263%.

4 peers

Know your rights before responding to Mid-Atlantic Finance Co., Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.