Total CFPB complaints
33
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 33 complaints
Mid-Michigan Collection Bureau — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Mid-Michigan Collection Bureau
- Disclosure verification of debt
Disclosure verification of debt
12 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
5 complaints
- Written notification about debt
Written notification about debt
5 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
D
Grade D · 56.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Mid-Michigan Collection Bureau?
Mid-Michigan Collection Bureau has accumulated 33 total CFPB complaints across 5 states, with 0 filed in the most recent 12 months against 33 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 "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 82% timely-response rate against a 30% 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 5 states, led by Michigan with 28 and Florida with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.8/100 places Mid-Michigan Collection Bureau 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
0
0.0% of total history
Stable →
States active
5
Distinct state filings
Timely response rate
82%
Within CFPB SLA window
Consumer disputes
30%
After company response
Reputation grade
D
56.8/100 composite
Response-quality profile
How Mid-Michigan Collection Bureau performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 81.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 60.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Mid-Michigan Collection Bureau compare to its peers?
Mid-Michigan Collectio… 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)
2014-03 2022-02
Top Consumer Issues
Disclosure verification of debt12 (%)
Cont'd attempts collect debt not owed5 (%)
Written notification about debt5 (%)
Improper contact or sharing of info2 (%)
Communication tactics2 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Disclosure verification of debt — Not given enough info to verify debt
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 |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 7 |
| Disclosure verification of debt | Right to dispute notice not received | 4 |
| Cont'd attempts collect debt not owed | Debt was paid | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Communication tactics | Used obscene/profane/abusive language | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 1 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 1 |
Where do complaints against Mid-Michigan Collection Bureau come from?
The states where consumers have filed the most CFPB complaints against Mid-Michigan Collection Bureau. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Mid-Michigan Collection Bureau
Across 5 states with at least one filing
- Michigan
Michigan
28 complaints
- Florida 2
Florida
2 complaints
- Louisiana 1
Louisiana
1 complaints
- Colorado 1
Colorado
1 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against Mid-Michigan Collection Bureau? ▼
The most common issue consumers report about Mid-Michigan Collection Bureau is "Disclosure verification of debt", specifically "Not given enough info to verify debt". This is based on 33 complaints filed with the CFPB.
Are complaints against Mid-Michigan Collection Bureau increasing or decreasing? ▼
Complaints against Mid-Michigan Collection Bureau have been stable. The company received 0 complaints in the last 12 months.
What is Mid-Michigan Collection Bureau's reputation grade? ▼
Mid-Michigan Collection Bureau has a reputation grade of D (score: 56.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Mid-Michigan Collection Bureau respond to consumer complaints? ▼
Mid-Michigan Collection Bureau has a 82% timely response rate to CFPB complaints. Consumers disputed the company's response in 30% of cases.
In how many states does Mid-Michigan Collection Bureau operate? ▼
Mid-Michigan Collection Bureau has received CFPB complaints from consumers in 5 states, with the most complaints from Michigan (28 complaints).
What can I do if Mid-Michigan Collection Bureau 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-Michigan Collection Bureau 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 |