Total CFPB complaints
1,541
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 1,541 complaints
Midwest Recovery Systems — Debt Collector Complaint Profile
CFPB complaint profile across 48 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Midwest Recovery Systems
- Attempts to collect debt not owed
Attempts to collect debt not owed
611 complaints
- Written notification about debt
Written notification about debt
399 complaints
- Cont'd attempts collect debt not owed 140
Cont'd attempts collect debt not owed
140 complaints
- Disclosure verification of debt 89
Disclosure verification of debt
89 complaints
- False statements or representation 60
False statements or representation
60 complaints
- Took or threatened to take negative or legal action 60
Took or threatened to take negative or legal action
60 complaints
F
Grade F · 50.9/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Midwest Recovery Systems?
Midwest Recovery Systems has accumulated 1,541 total CFPB complaints across 48 states, with 0 filed in the most recent 12 months against 1,541 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
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 83% timely-response rate against a 16% 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 48 states, led by Texas with 319 and Florida with 168, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 50.9/100 places Midwest Recovery Systems in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
48
Distinct state filings
Timely response rate
83%
Within CFPB SLA window
Consumer disputes
16%
After company response
Reputation grade
F
50.9/100 composite
Response-quality profile
How Midwest Recovery Systems performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 83.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 32.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 85.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Midwest Recovery Systems compare to its peers?
Midwest Recovery Syste… 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)
2019-06 2022-03
Top Consumer Issues
Attempts to collect debt not owed611 (%)
Written notification about debt399 (%)
Cont'd attempts collect debt not owed140 (%)
False statements or representation60 (%)
Took or threatened to take negative or legal action60 (%)
Disclosure verification of debt89 (%)
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 | 426 |
| Written notification about debt | Didn't receive notice of right to dispute | 210 |
| Written notification about debt | Didn't receive enough information to verify debt | 189 |
| Cont'd attempts collect debt not owed | Debt is not mine | 140 |
| Attempts to collect debt not owed | Debt was result of identity theft | 103 |
| Attempts to collect debt not owed | Debt was paid | 82 |
| False statements or representation | Attempted to collect wrong amount | 60 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 60 |
| Disclosure verification of debt | Right to dispute notice not received | 56 |
| Disclosure verification of debt | Not given enough info to verify debt | 33 |
Where do complaints against Midwest Recovery Systems come from?
The states where consumers have filed the most CFPB complaints against Midwest Recovery Systems. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Midwest Recovery Systems
Across 48 states with at least one filing
- Texas
Texas
319 complaints
- Florida
Florida
168 complaints
- California
California
157 complaints
- Ohio 74
Ohio
74 complaints
- Georgia 65
Georgia
65 complaints
- Michigan 54
Michigan
54 complaints
- Pennsylvania 53
Pennsylvania
53 complaints
- Louisiana 49
Louisiana
49 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Midwest Recovery Systems's reputation grade? ▼
Midwest Recovery Systems has a reputation grade of F (score: 50.9/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if Midwest Recovery Systems 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 Recovery Systems 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 |