Total CFPB complaints
50
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 50 complaints
MIDCOUNTRY FINANCIAL CORP — Debt Collector Complaint Profile
CFPB complaint profile across 21 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about MIDCOUNTRY FINANCIAL CORP
- Attempts to collect debt not owed
Attempts to collect debt not owed
11 complaints
- Communication tactics
Communication tactics
7 complaints
- Written notification about debt
Written notification about debt
7 complaints
- False statements or representation
False statements or representation
6 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
C
Grade C · 63.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about MIDCOUNTRY FINANCIAL CORP?
MIDCOUNTRY FINANCIAL CORP has accumulated 50 total CFPB complaints across 21 states, with 0 filed in the most recent 12 months against 50 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 "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 20% 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 21 states, led by Tennessee with 7 and Virginia with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.0/100 places MIDCOUNTRY FINANCIAL CORP 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
0
0.0% of total history
Stable →
States active
21
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
63.0/100 composite
Response-quality profile
How MIDCOUNTRY FINANCIAL CORP performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 40.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 37.5%
Share of US states + territories with at least one filed complaint against this collector.
How does MIDCOUNTRY FINANCIAL CORP compare to its peers?
MIDCOUNTRY FINANCIAL 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)
2017-06 2023-12
Top Consumer Issues
Communication tactics7 (%)
False statements or representation6 (%)
Attempts to collect debt not owed11 (%)
Written notification about debt7 (%)
Took or threatened to take negative or legal action3 (%)
Disclosure verification of debt2 (%)
Threatened to contact someone or share information improperly2 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 7 |
| False statements or representation | Attempted to collect wrong amount | 6 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Threatened to contact someone or share information improperly | Contacted your employer | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
Where do complaints against MIDCOUNTRY FINANCIAL CORP come from?
The states where consumers have filed the most CFPB complaints against MIDCOUNTRY FINANCIAL CORP. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against MIDCOUNTRY FINANCIAL CORP
Across 21 states with at least one filing
- Tennessee
Tennessee
7 complaints
- Virginia
Virginia
4 complaints
- Illinois
Illinois
4 complaints
- California
California
4 complaints
- Florida
Florida
4 complaints
- Indiana
Indiana
3 complaints
- Texas
Texas
3 complaints
- Missouri 2
Missouri
2 complaints
Frequently Asked Questions
What is the most common complaint against MIDCOUNTRY FINANCIAL CORP? ▼
The most common issue consumers report about MIDCOUNTRY FINANCIAL CORP is "Communication tactics", specifically "Frequent or repeated calls". This is based on 50 complaints filed with the CFPB.
Are complaints against MIDCOUNTRY FINANCIAL CORP increasing or decreasing? ▼
Complaints against MIDCOUNTRY FINANCIAL CORP have been stable. The company received 0 complaints in the last 12 months.
What is MIDCOUNTRY FINANCIAL CORP's reputation grade? ▼
MIDCOUNTRY FINANCIAL CORP has a reputation grade of C (score: 63.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does MIDCOUNTRY FINANCIAL CORP respond to consumer complaints? ▼
MIDCOUNTRY FINANCIAL CORP has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does MIDCOUNTRY FINANCIAL CORP operate? ▼
MIDCOUNTRY FINANCIAL CORP has received CFPB complaints from consumers in 21 states, with the most complaints from Tennessee (7 complaints).
What can I do if MIDCOUNTRY FINANCIAL CORP 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 MIDCOUNTRY FINANCIAL CORP 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 |