Total CFPB complaints
47
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 47 complaints
MIDFIRST BANK — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about MIDFIRST BANK
- Attempts to collect debt not owed
Attempts to collect debt not owed
15 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
12 complaints
- Written notification about debt
Written notification about debt
6 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Confusing or missing disclosures 2
Confusing or missing disclosures
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
B
Grade B · 69.0/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about MIDFIRST BANK?
MIDFIRST BANK has accumulated 47 total CFPB complaints across 18 states, with 9 filed in the most recent 12 months against 38 historical complaints before that window. The trailing-12-month volume represents 19.1% 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 "Took or threatened to take negative or legal action", narrowing to "Seized or attempted to seize your property", 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 against a 0% 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 18 states, led by Florida with 8 and Oklahoma 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 69.0/100 places MIDFIRST BANK in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
9
19.1% of total history
Stable →
States active
18
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
69.0/100 composite
Response-quality profile
How MIDFIRST BANK 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.
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 32.1%
Share of US states + territories with at least one filed complaint against this collector.
How does MIDFIRST BANK compare to its peers?
MIDFIRST BANK 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)
2021-05 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action12 (%)
Attempts to collect debt not owed15 (%)
False statements or representation5 (%)
Written notification about debt6 (%)
Confusing or missing disclosures2 (%)
Communication tactics1 (%)
Most common issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 6 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Confusing or missing disclosures | — | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against MIDFIRST BANK come from?
The states where consumers have filed the most CFPB complaints against MIDFIRST BANK. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against MIDFIRST BANK
Across 18 states with at least one filing
- Florida
Florida
8 complaints
- Oklahoma
Oklahoma
7 complaints
- Georgia
Georgia
5 complaints
- California
California
4 complaints
- Texas
Texas
4 complaints
- Ohio 2
Ohio
2 complaints
- Louisiana 2
Louisiana
2 complaints
- New York 2
New York
2 complaints
Frequently Asked Questions
What is the most common complaint against MIDFIRST BANK? ▼
The most common issue consumers report about MIDFIRST BANK is "Took or threatened to take negative or legal action", 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 9 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). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 18 states, with the most complaints from Florida (8 complaints).
What can I do if MIDFIRST BANK 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 MIDFIRST BANK 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 |