Total CFPB complaints
108
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 108 complaints
Mid-South Adjustment Co., Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Mid-South Adjustment Co., Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
41 complaints
- Written notification about debt
Written notification about debt
25 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
18 complaints
- False statements or representation 13
False statements or representation
13 complaints
- Communication tactics 3
Communication tactics
3 complaints
F
Grade F · 51.9/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Mid-South Adjustment Co., Inc.?
Mid-South Adjustment Co., Inc. has accumulated 108 total CFPB complaints across 15 states, with 27 filed in the most recent 12 months against 81 historical complaints before that window. The trailing-12-month volume represents 25.0% 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 "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% 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 15 states, led by Arkansas with 81 and Texas with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 51.9/100 places Mid-South Adjustment Co., Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
27
25.0% of total history
Rising ↑
States active
15
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Reputation grade
F
51.9/100 composite
Response-quality profile
How Mid-South Adjustment Co., Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Mid-South Adjustment Co., Inc. compare to its peers?
Mid-South Adjustment C… 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)
2023-11 2026-03
Top Consumer Issues
Attempts to collect debt not owed41 (%)
Written notification about debt25 (%)
False statements or representation13 (%)
Took or threatened to take negative or legal action18 (%)
Communication tactics3 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 19 |
| Attempts to collect debt not owed | Debt was paid | 13 |
| Written notification about debt | Didn't receive notice of right to dispute | 13 |
| False statements or representation | Attempted to collect wrong amount | 13 |
| Written notification about debt | Didn't receive enough information to verify debt | 12 |
| Attempts to collect debt not owed | Debt was result of identity theft | 9 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 7 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 7 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 4 |
| Communication tactics | Used obscene, profane, or other abusive language | 3 |
Where do complaints against Mid-South Adjustment Co., Inc. come from?
The states where consumers have filed the most CFPB complaints against Mid-South Adjustment Co., Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Mid-South Adjustment Co., Inc.
Across 15 states with at least one filing
- Arkansas
Arkansas
81 complaints
- Texas 7
Texas
7 complaints
- California 4
California
4 complaints
- Mississippi 2
Mississippi
2 complaints
- New York 2
New York
2 complaints
- Florida 2
Florida
2 complaints
- Oklahoma 2
Oklahoma
2 complaints
- Arizona 1
Arizona
1 complaints
Frequently Asked Questions
What is the most common complaint against Mid-South Adjustment Co., Inc.? ▼
The most common issue consumers report about Mid-South Adjustment Co., Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 108 complaints filed with the CFPB.
Are complaints against Mid-South Adjustment Co., Inc. increasing or decreasing? ▼
Complaints against Mid-South Adjustment Co., Inc. are rising. The company received 27 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Mid-South Adjustment Co., Inc.'s reputation grade? ▼
Mid-South Adjustment Co., Inc. has a reputation grade of F (score: 51.9/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Mid-South Adjustment Co., Inc. respond to consumer complaints? ▼
Mid-South Adjustment Co., Inc. has a 96% timely response rate to CFPB complaints.
In how many states does Mid-South Adjustment Co., Inc. operate? ▼
Mid-South Adjustment Co., Inc. has received CFPB complaints from consumers in 15 states, with the most complaints from Arkansas (81 complaints).
What can I do if Mid-South Adjustment Co., Inc. 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-South Adjustment Co., Inc. 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 |