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

Data updated July 2026

D

Grade D · 57.3/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Mid-Atlantic Finance Co., Inc. ranks ahead of 33% of the 5,283 collectors PlainCollector grades - 67% keep a cleaner CFPB record, on 112 all-time complaints and a 99% timely-response rate.

33rd pct
reputation rank of 5,283 graded collectors
112
CFPB complaints, all-time
99%
answered inside the CFPB window
42
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Mid-Atlantic Finance Co., Inc.?

Mid-Atlantic Finance Co., Inc. has accumulated 112 total CFPB complaints across 22 states, with 42 filed in the most recent 12 months against 70 historical complaints before that window. The trailing-12-month volume represents 37.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 99% timely-response rate against a 33% consumer-dispute-after-response rate.

Complaints have been recorded across 22 states, led by Texas with 34 and North Carolina with 19. Normalized against the full CFPB collector database, the reputation score of 57.3/100 places Mid-Atlantic Finance Co., Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

112

mid-volume (CCDB)

Last 12 months

42

37.5% of all-time complaints

Rising ↑

States active

22

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

33%

high (vertical avg ~19%)

Reputation grade

D

57.3/100 composite

How does Mid-Atlantic Finance Co., Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 33rd percentile higher than 33% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Mid-Atlantic Finance Co., Inc. versus the debt-collection vertical average.

Timely response within SLA 98.9%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 33.3%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 39.3%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Mid-Atlantic Finance C… 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.

Complaint Trend (24 months)

2021-07 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Mid-Atlantic Finance Co., Inc. contacts you

A grade of D signals how Mid-Atlantic Finance Co., Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Mid-Atlantic Finance Co., Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Mid-Atlantic Finance Co., Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Mid-Atlantic Finance Co., Inc.? ▼

The most common issue consumers report about Mid-Atlantic Finance Co., Inc. is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 112 complaints filed with the CFPB.

Are complaints against Mid-Atlantic Finance Co., Inc. increasing or decreasing? ▼

Complaints against Mid-Atlantic Finance Co., Inc. are rising. The company received 42 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Mid-Atlantic Finance Co., Inc.'s reputation grade? ▼

Mid-Atlantic Finance Co., Inc. has a reputation grade of D (score: 57.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Mid-Atlantic Finance Co., Inc. respond to consumer complaints? ▼

Mid-Atlantic Finance Co., Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.

In how many states does Mid-Atlantic Finance Co., Inc. operate? ▼

Mid-Atlantic Finance Co., Inc. has received CFPB complaints from consumers in 22 states, with the most complaints from Texas (34 complaints).

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

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.