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

CFPB complaint data Grade F 1,541 complaints

Midwest Recovery Systems - Debt Collector Complaint Profile

CFPB complaint profile across 48 states, reputation grade F.

Complaints by issue type

What consumers report about Midwest Recovery Systems

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #441

  • VOL 1,541
  • GRADE F
  • 12MO 0
  • STATES 48
  • TIMELY 83%
  • DISPUTE 16%
  • ISSUE Attempts to collect debt n…
  • RANK #119
  • COMPOSE #441

Volume peers

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

The Receivable Management Services LLCThe Receivable Management Se…1,506Midwest Recovery Systems (this)Midwest Recovery Systems (th…1,541Expert Global Solutions, Inc.Expert Global Solutions, Inc.1,548Ad Astra Recovery Services IncAd Astra Recovery Services I…1,557I.q. Data International, Inc.I.q. Data International, Inc.1,572
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 →

How the 1,541 complaints break down

Every complaint issue type on record for Midwest Recovery Systems, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
47.7/100
Midwest Recovery Systems

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
1,541
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
83%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
16%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#119 volume
#441 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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 Systems National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
83%
100%
91%
Consumer-dispute ratelower is better
16%
9%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Midwest Recovery Systems a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Midwest Recovery Systems vs. 10 similar-volume peers, by response speed and dispute rate Midwest Recovery SystemsEXPERT GLOBAL SOLUTIONS, INC.Ad Astra Recovery Services IncI.Q. DATA INTERNATIONAL, INC.The Receivable Management Services LLCACIMA CREDIT, LLCThe Bureaus, Inc.Franklin Collection Service, Inc.Receivables Management Partners, LLCMonterey Financial Services LLCUnited Collection Bureau, Inc.
Source: CFPB Consumer Complaint Database

Midwest Recovery Systems's complaint volume in context

Midwest Recovery Systems vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

1,541 Top 2% higher than 98% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Midwest Recovery Systems 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Midwest Recovery Systems

Across 48 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.