Total CFPB complaints
12
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 12 complaints
MID FLORIDA FINANCING LLC — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about MID FLORIDA FINANCING LLC
- False statements or representation
False statements or representation
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Communication tactics
Communication tactics
2 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
C
Grade C · 64.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about MID FLORIDA FINANCING LLC?
MID FLORIDA FINANCING LLC has accumulated 12 total CFPB complaints across 3 states, with 7 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 58.3% 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 "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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 3 states, led by Florida with 10 and Arizona with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.6/100 places MID FLORIDA FINANCING LLC 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
7
58.3% of total history
Rising ↑
States active
3
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
64.6/100 composite
Response-quality profile
How MID FLORIDA FINANCING LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does MID FLORIDA FINANCING LLC compare to its peers?
MID FLORIDA FINANCING … 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)
2023-07 2025-12
Top Consumer Issues
False statements or representation3 (%)
Took or threatened to take negative or legal action2 (%)
Attempts to collect debt not owed3 (%)
Communication tactics2 (%)
Written notification about debt1 (%)
Threatened to contact someone or share information improperly1 (%)
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 | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Communication tactics | Frequent or repeated calls | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Communication tactics | Called before 8am or after 9pm | 1 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
Where do complaints against MID FLORIDA FINANCING LLC come from?
The states where consumers have filed the most CFPB complaints against MID FLORIDA FINANCING LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against MID FLORIDA FINANCING LLC
Across 3 states with at least one filing
- Florida
Florida
10 complaints
- Arizona 1
Arizona
1 complaints
- Kentucky 1
Kentucky
1 complaints
Frequently Asked Questions
What is the most common complaint against MID FLORIDA FINANCING LLC? ▼
The most common issue consumers report about MID FLORIDA FINANCING LLC is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 12 complaints filed with the CFPB.
Are complaints against MID FLORIDA FINANCING LLC increasing or decreasing? ▼
Complaints against MID FLORIDA FINANCING LLC are rising. The company received 7 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is MID FLORIDA FINANCING LLC's reputation grade? ▼
MID FLORIDA FINANCING LLC has a reputation grade of C (score: 64.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does MID FLORIDA FINANCING LLC respond to consumer complaints? ▼
MID FLORIDA FINANCING LLC has a 100% timely response rate to CFPB complaints.
In how many states does MID FLORIDA FINANCING LLC operate? ▼
MID FLORIDA FINANCING LLC has received CFPB complaints from consumers in 3 states, with the most complaints from Florida (10 complaints).
What can I do if MID FLORIDA FINANCING LLC 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 FLORIDA FINANCING LLC 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 |