Total CFPB complaints
82
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 82 complaints
Midstate Collection Solutions, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Midstate Collection Solutions, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
34 complaints
- Written notification about debt
Written notification about debt
15 complaints
- Cont'd attempts collect debt not owed 13
Cont'd attempts collect debt not owed
13 complaints
- False statements or representation 10
False statements or representation
10 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
D
Grade D · 52.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Midstate Collection Solutions, Inc.?
Midstate Collection Solutions, Inc. has accumulated 82 total CFPB complaints across 9 states, with 7 filed in the most recent 12 months against 75 historical complaints before that window. The trailing-12-month volume represents 8.5% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 83% timely-response rate against a 32% 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 9 states, led by Illinois with 71 and Florida with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.8/100 places Midstate Collection Solutions, Inc. 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
7
8.5% of total history
Falling ↓
States active
9
Distinct state filings
Timely response rate
83%
Within CFPB SLA window
Consumer disputes
32%
After company response
Reputation grade
D
52.8/100 composite
Response-quality profile
How Midstate Collection Solutions, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 82.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 63.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Midstate Collection Solutions, Inc. compare to its peers?
Midstate Collection So… 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)
2022-03 2025-12
Top Consumer Issues
Attempts to collect debt not owed34 (%)
False statements or representation10 (%)
Written notification about debt15 (%)
Cont'd attempts collect debt not owed13 (%)
Disclosure verification of debt2 (%)
Took or threatened to take negative or legal action1 (%)
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 | 24 |
| False statements or representation | Attempted to collect wrong amount | 10 |
| Written notification about debt | Didn't receive enough information to verify debt | 10 |
| Cont'd attempts collect debt not owed | Debt is not mine | 9 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Cont'd attempts collect debt not owed | Debt was paid | 4 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 1 |
Where do complaints against Midstate Collection Solutions, Inc. come from?
The states where consumers have filed the most CFPB complaints against Midstate Collection Solutions, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Midstate Collection Solutions, Inc.
Across 9 states with at least one filing
- Illinois
Illinois
71 complaints
- Florida 3
Florida
3 complaints
- Texas 2
Texas
2 complaints
- Tennessee 1
Tennessee
1 complaints
- Missouri 1
Missouri
1 complaints
- Georgia 1
Georgia
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- Indiana 1
Indiana
1 complaints
Frequently Asked Questions
What is the most common complaint against Midstate Collection Solutions, Inc.? ▼
The most common issue consumers report about Midstate Collection Solutions, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 82 complaints filed with the CFPB.
Are complaints against Midstate Collection Solutions, Inc. increasing or decreasing? ▼
Complaints against Midstate Collection Solutions, Inc. are falling. The company received 7 complaints in the last 12 months, showing improvement over prior periods.
What is Midstate Collection Solutions, Inc.'s reputation grade? ▼
Midstate Collection Solutions, Inc. has a reputation grade of D (score: 52.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Midstate Collection Solutions, Inc. respond to consumer complaints? ▼
Midstate Collection Solutions, Inc. has a 83% timely response rate to CFPB complaints. Consumers disputed the company's response in 32% of cases.
In how many states does Midstate Collection Solutions, Inc. operate? ▼
Midstate Collection Solutions, Inc. has received CFPB complaints from consumers in 9 states, with the most complaints from Illinois (71 complaints).
What can I do if Midstate Collection Solutions, 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 Midstate Collection Solutions, 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 |