What is the most common complaint against Midwest Credit & Collection, Inc.?

The most common issue consumers report about Midwest Credit & Collection, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 74 complaints filed with the CFPB.

Are complaints against Midwest Credit & Collection, Inc. increasing or decreasing?

Complaints against Midwest Credit & Collection, Inc. are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Midwest Credit & Collection, Inc.'s reputation grade?

Midwest Credit & Collection, Inc. has a reputation grade of F (score: 37.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Midwest Credit & Collection, Inc. respond to consumer complaints?

Midwest Credit & Collection, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 100% of cases.

In how many states does Midwest Credit & Collection, Inc. operate?

Midwest Credit & Collection, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Illinois (72 complaints).

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

Midwest Credit & Collection, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

57
Written notification about debt

5
Communication tactics

5
Took or threatened to take negative or legal action

2
False statements or representation

2
Disclosure verification of debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record midwest-credit-collection-inc Midwest Credit & Collection, Inc.

Grade F · 74 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #970 · compose #5036

VOL 74
GRADE F
12MO 1
STATES 2
TIMELY 99%
DISPUTE 100%
ISSUE Attempts to collect debt n…
RANK #970
COMPOSE #5,036

Volume peers

Nearest volume peer: Brennan & Clark, Ltd., LLC (74 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Midwest Credit & Collection, Inc.'s 74 CFPB complaints sit next to Brennan & Clark, Ltd., LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

97.3% of Midwest Credit & Collection, Inc.'s CFPB filings land in Illinois

High volume does not equal a clean composite: Midwest Credit & Collection, Inc. is volume #970 but composite #5,036, while Illinois dominates the geography. Corpus placement method.

Dominant state: Illinois 97.3%; 72 of 74 filings · 2 states touched
Seasonal peak: 2024-01 9.3%; 8–15% band · 5 filings
Divergent corpus ranks: #970 volume; #5,036 composite; Cleanest-composite ladder is 4,066 places worse than volume

How does Midwest Credit & Collection, Inc. compare to its peers?

How does Midwest Credit & Collection, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Midwest Credit & Colle… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

100%

91%

Consumer-dispute ratelower is better

100%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-12 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	57
Written notification about debt	5
Communication tactics	5
Took or threatened to take negative or legal action	2
False statements or representation	2
Disclosure verification of debt	2
Electronic communications	1

Where do complaints against Midwest Credit & Collection, Inc. come from?

Midwest Credit & Collection, Inc.'s own per-state count, not a national baseline.

Illinois

72
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Midwest Credit & Collection, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 74.

4 peers

Know your rights before responding to Midwest Credit & Collection, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.