This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade B 47 complaints

Midfirst Bank - Debt Collector Complaint Profile

CFPB complaint profile across 19 states, reputation grade B.

Complaints by issue type

What consumers report about Midfirst Bank

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

B

Grade B · 69.0/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

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

The verdict

A reputation grade of B: Midfirst Bank ranks ahead of 67% of the 5,283 collectors PlainCollector grades - 33% keep a cleaner CFPB record, on 47 all-time complaints and a 100% timely-response rate.

67th pct
reputation rank of 5,283 graded collectors
47
CFPB complaints, all-time
100%
answered inside the CFPB window
10
in the last 12 months (stable)

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 Midfirst Bank?

Midfirst Bank has accumulated 47 total CFPB complaints across 19 states, with 10 filed in the most recent 12 months against 37 historical complaints before that window. The trailing-12-month volume represents 21.3% 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 "Attempts to collect debt not owed", narrowing to "Seized or attempted to seize your property". The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 19 states, led by Florida with 8 and Georgia with 6. Normalized against the full CFPB collector database, the reputation score of 69.0/100 places Midfirst Bank in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

47

low-volume (CCDB)

Last 12 months

10

21.3% of all-time complaints

Stable →

States active

19

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

69.0/100 composite

How does Midfirst Bank's reputation rank nationally?

Reputation score vs. every graded collector

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

69 67th percentile higher than 67% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

Midfirst Bank versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

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

Consumer dispute rate (post-response) 0.0%
Vertical avg

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

State coverage breadth 33.9%

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

How does Midfirst Bank compare to its peers?

How does MIDFIRST BANK compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
MIDFIRST BANK National average
Complaints (last 12 mo)lower is better
10
13
268
Timely-response ratehigher is better
100%
98%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-12 2025-08

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 17
Took or threatened to take negative or legal action - 15
Written notification about debt - 7
False statements or representation - 5
Communication tactics - 1
Disclosure verification of debt - 1
Threatened to contact someone or share information improperly - 1

Where do complaints against Midfirst Bank come from?

Midfirst Bank's own per-state count, not a national baseline.

Top states by complaints against Midfirst Bank

Across 19 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Midfirst Bank contacts you

A grade of B signals how Midfirst Bank'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 Midfirst Bank 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 Midfirst Bank 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 Midfirst Bank? ▼

The most common issue consumers report about Midfirst Bank is "Attempts to collect debt not owed", specifically "Seized or attempted to seize your property". This is based on 47 complaints filed with the CFPB.

Are complaints against Midfirst Bank increasing or decreasing? ▼

Complaints against Midfirst Bank have been stable. The company received 10 complaints in the last 12 months.

What is Midfirst Bank's reputation grade? ▼

Midfirst Bank has a reputation grade of B (score: 69.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Midfirst Bank respond to consumer complaints? ▼

Midfirst Bank has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Midfirst Bank operate? ▼

Midfirst Bank has received CFPB complaints from consumers in 19 states, with the most complaints from Florida (8 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.