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

CFPB complaint data Grade C 65 complaints

Midwest Service Bureau, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade C.

Complaints by issue type

What consumers report about Midwest Service Bureau, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 64.0/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Midwest Service Bureau, Inc. ranks ahead of 56% of the 5,283 collectors PlainCollector grades - 44% keep a cleaner CFPB record, on 65 all-time complaints and a 97% timely-response rate.

56th pct
reputation rank of 5,283 graded collectors
65
CFPB complaints, all-time
97%
answered inside the CFPB window
10
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Midwest Service Bureau, Inc.?

Midwest Service Bureau, Inc. has accumulated 65 total CFPB complaints across 8 states, with 10 filed in the most recent 12 months against 55 historical complaints before that window. The trailing-12-month volume represents 15.4% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Used obscene, profane, or other abusive language". The company posts a 97% timely-response rate against a 11% consumer-dispute-after-response rate.

Complaints have been recorded across 8 states, led by Kansas with 45 and Missouri with 6. Normalized against the full CFPB collector database, the reputation score of 64.0/100 places Midwest Service Bureau, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

65

low-volume (CCDB)

Last 12 months

10

15.4% of all-time complaints

Falling ↓

States active

8

regional footprint

Timely response rate

97%

excellent band

Consumer disputes

11%

average (vertical avg ~19%)

Reputation grade

C

64.0/100 composite

How does Midwest Service Bureau, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

64 56th percentile higher than 56% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Midwest Service Bureau, Inc. versus the debt-collection vertical average.

Timely response within SLA 96.6%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 11.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 14.3%

Share of US states + territories with at least one filed complaint against this collector.

How does Midwest Service Bureau, Inc. compare to its peers?

How does Midwest Service Bureau, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Midwest Service Bureau… National average
Complaints (last 12 mo)lower is better
10
4
268
Timely-response ratehigher is better
97%
100%
91%
Consumer-dispute ratelower is better
11%
28%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-11 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 22
Written notification about debt - 11
Threatened to contact someone or share information improperly - 11
Attempts to collect debt not owed - 7
Took or threatened to take negative or legal action - 7
Improper contact or sharing of info - 3
False statements or representation - 2
Disclosure verification of debt - 2

Where do complaints against Midwest Service Bureau, Inc. come from?

Midwest Service Bureau, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Midwest Service Bureau, Inc.

Across 8 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Midwest Service Bureau, Inc. contacts you

A grade of C signals how Midwest Service Bureau, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Midwest Service Bureau, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Midwest Service Bureau, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Midwest Service Bureau, Inc.? ▼

The most common issue consumers report about Midwest Service Bureau, Inc. is "Communication tactics", specifically "Used obscene, profane, or other abusive language". This is based on 65 complaints filed with the CFPB.

Are complaints against Midwest Service Bureau, Inc. increasing or decreasing? ▼

Complaints against Midwest Service Bureau, Inc. are falling. The company received 10 complaints in the last 12 months, showing improvement over prior periods.

What is Midwest Service Bureau, Inc.'s reputation grade? ▼

Midwest Service Bureau, Inc. has a reputation grade of C (score: 64.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Midwest Service Bureau, Inc. respond to consumer complaints? ▼

Midwest Service Bureau, Inc. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 11% of cases.

In how many states does Midwest Service Bureau, Inc. operate? ▼

Midwest Service Bureau, Inc. has received CFPB complaints from consumers in 8 states, with the most complaints from Kansas (45 complaints).

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

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.