Total CFPB complaints
21
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 21 complaints
Midwest Acceptance Corp. — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Midwest Acceptance Corp.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
5 complaints
- False statements or representation
False statements or representation
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Communication tactics
Communication tactics
3 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
C
Grade C · 63.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Midwest Acceptance Corp.?
Midwest Acceptance Corp. has accumulated 21 total CFPB complaints across 5 states, with 4 filed in the most recent 12 months against 17 historical complaints before that window. The trailing-12-month volume represents 19.0% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 95% timely-response rate against a 33% 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 5 states, led by Missouri with 14 and Tennessee 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 63.4/100 places Midwest Acceptance 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
4
19.0% of total history
Rising ↑
States active
5
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
C
63.4/100 composite
Response-quality profile
How Midwest Acceptance Corp. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Midwest Acceptance Corp. compare to its peers?
Midwest Acceptance Cor… 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)
2014-09 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action5 (%)
False statements or representation3 (%)
Cont'd attempts collect debt not owed2 (%)
Attempts to collect debt not owed3 (%)
Communication tactics3 (%)
Disclosure verification of debt1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 | Threatened or suggested your credit would be damaged | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Communication tactics | Used obscene, profane, or other abusive language | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
Where do complaints against Midwest Acceptance Corp. come from?
The states where consumers have filed the most CFPB complaints against Midwest Acceptance Corp.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Midwest Acceptance Corp.
Across 5 states with at least one filing
- Missouri
Missouri
14 complaints
- Tennessee 3
Tennessee
3 complaints
- Georgia 2
Georgia
2 complaints
- Florida 1
Florida
1 complaints
- Indiana 1
Indiana
1 complaints
Frequently Asked Questions
What is the most common complaint against Midwest Acceptance Corp.? ▼
The most common issue consumers report about Midwest Acceptance Corp. is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 21 complaints filed with the CFPB.
Are complaints against Midwest Acceptance Corp. increasing or decreasing? ▼
Complaints against Midwest Acceptance Corp. are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Midwest Acceptance Corp.'s reputation grade? ▼
Midwest Acceptance Corp. has a reputation grade of C (score: 63.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Midwest Acceptance Corp. respond to consumer complaints? ▼
Midwest Acceptance Corp. has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does Midwest Acceptance Corp. operate? ▼
Midwest Acceptance Corp. has received CFPB complaints from consumers in 5 states, with the most complaints from Missouri (14 complaints).
What can I do if Midwest Acceptance 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 Midwest Acceptance 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 |