What is the most common complaint against Midwest Recovery Systems?

The most common issue consumers report about Midwest Recovery Systems is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,541 complaints filed with the CFPB.

Are complaints against Midwest Recovery Systems increasing or decreasing?

Complaints against Midwest Recovery Systems are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Midwest Recovery Systems's reputation grade?

Midwest Recovery Systems has a reputation grade of F (score: 47.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Midwest Recovery Systems respond to consumer complaints?

Midwest Recovery Systems has a 83% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.

In how many states does Midwest Recovery Systems operate?

Midwest Recovery Systems has received CFPB complaints from consumers in 48 states, with the most complaints from Texas (319 complaints).

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

Midwest Recovery Systems - Debt Collector Complaint Profile

CFPB complaint profile across 48 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

622
Written notification about debt

405
Cont'd attempts collect debt not owed

185
Disclosure verification of debt

94
Took or threatened to take negative or legal action

83
False statements or representation

83

Data updated September 2026

CFPB complaint disposition

CCDB record midwest-recovery-systems Midwest Recovery Systems

Grade F · 1,541 CFPB filings · 83% timely · lead issue: Attempts to collect debt not owed · vol #119 · compose #4357

VOL 1,541
GRADE F
12MO 0
STATES 48
TIMELY 83%
DISPUTE 16%
ISSUE Attempts to collect debt n…
RANK #119
COMPOSE #4,357

Volume peers

Nearest volume peer: Expert Global Solutions, Inc. (1,548 complaints)

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

Midwest Recovery Systems's 1,541 CFPB complaints sit next to Expert Global Solutions, Inc. 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 →

Filing geometry

Texas is the plurality state for Midwest Recovery Systems (20.7%)

Volume rank #119 and composite rank #4,357 diverge by 4,238 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 20.7%; Mid-band (15–30%) · 48 states with ≥1 filing
Seasonal peak: 2025-12 9.1%; 8–15% band · 24 filings
Divergent corpus ranks: #119 volume; #4,357 composite; Cleanest-composite ladder is 4,238 places worse than volume

How does Midwest Recovery Systems compare to its peers?

How does Midwest Recovery Systems 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 Recovery Syste… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

83%

100%

91%

Consumer-dispute ratelower is better

16%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	622
Written notification about debt	405
Cont'd attempts collect debt not owed	185
Disclosure verification of debt	94
Took or threatened to take negative or legal action	83
False statements or representation	83
Communication tactics	43
Taking/threatening an illegal action	11
Threatened to contact someone or share information improperly	8
Improper contact or sharing of info	7

Where do complaints against Midwest Recovery Systems come from?

Midwest Recovery Systems's own per-state count, not a national baseline.

Texas

319
Florida

168
California

157
Ohio

74
Georgia

65
Michigan

54
Pennsylvania

53
Louisiana

49

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Midwest Recovery Systems: 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: 1,541.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 83.12783906554185%.

4 peers

Know your rights before responding to Midwest Recovery Systems: 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.