Total CFPB complaints
168
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 168 complaints
Midwest Fidelity Services, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 37 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Midwest Fidelity Services, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
76 complaints
- Communication tactics 24
Communication tactics
24 complaints
- Written notification about debt 19
Written notification about debt
19 complaints
- False statements or representation 15
False statements or representation
15 complaints
- Took or threatened to take negative or legal action 8
Took or threatened to take negative or legal action
8 complaints
- Electronic communications 6
Electronic communications
6 complaints
C
Grade C · 59.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Midwest Fidelity Services, LLC?
Midwest Fidelity Services, LLC has accumulated 168 total CFPB complaints across 37 states, with 58 filed in the most recent 12 months against 110 historical complaints before that window. The trailing-12-month volume represents 34.5% 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 "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 98% timely-response rate against a 17% 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 37 states, led by Texas with 27 and Florida with 17, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.4/100 places Midwest Fidelity Services, LLC 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
58
34.5% of total history
Rising ↑
States active
37
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
C
59.4/100 composite
Response-quality profile
How Midwest Fidelity Services, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 66.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Midwest Fidelity Services, LLC compare to its peers?
Midwest Fidelity Servi… 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)
2024-01 2026-03
Top Consumer Issues
Attempts to collect debt not owed76 (%)
Communication tactics24 (%)
Written notification about debt19 (%)
False statements or representation15 (%)
Took or threatened to take negative or legal action8 (%)
Electronic communications6 (%)
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 | 41 |
| Communication tactics | Frequent or repeated calls | 20 |
| Written notification about debt | Didn't receive enough information to verify debt | 19 |
| Attempts to collect debt not owed | Debt was paid | 19 |
| Attempts to collect debt not owed | Debt was result of identity theft | 16 |
| False statements or representation | Attempted to collect wrong amount | 15 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 8 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
| Electronic communications | Frequent or repeated messages | 4 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 2 |
Where do complaints against Midwest Fidelity Services, LLC come from?
The states where consumers have filed the most CFPB complaints against Midwest Fidelity Services, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Midwest Fidelity Services, LLC
Across 37 states with at least one filing
- Texas
Texas
27 complaints
- Florida
Florida
17 complaints
- California
California
13 complaints
- Missouri
Missouri
12 complaints
- Georgia 9
Georgia
9 complaints
- Louisiana 6
Louisiana
6 complaints
- Arkansas 5
Arkansas
5 complaints
- Delaware 5
Delaware
5 complaints
Frequently Asked Questions
What is the most common complaint against Midwest Fidelity Services, LLC? ▼
The most common issue consumers report about Midwest Fidelity Services, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 168 complaints filed with the CFPB.
Are complaints against Midwest Fidelity Services, LLC increasing or decreasing? ▼
Complaints against Midwest Fidelity Services, LLC are rising. The company received 58 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Midwest Fidelity Services, LLC's reputation grade? ▼
Midwest Fidelity Services, LLC has a reputation grade of C (score: 59.4/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Midwest Fidelity Services, LLC respond to consumer complaints? ▼
Midwest Fidelity Services, LLC has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does Midwest Fidelity Services, LLC operate? ▼
Midwest Fidelity Services, LLC has received CFPB complaints from consumers in 37 states, with the most complaints from Texas (27 complaints).
What can I do if Midwest Fidelity Services, LLC 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 Fidelity Services, LLC 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 |