Total CFPB complaints
58
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 58 complaints
Midwest Service Bureau, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 6 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Midwest Service Bureau, Inc.
- Communication tactics
Communication tactics
17 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
9 complaints
- Written notification about debt 6
Written notification about debt
6 complaints
- Took or threatened to take negative or legal action 6
Took or threatened to take negative or legal action
6 complaints
- Attempts to collect debt not owed 3
Attempts to collect debt not owed
3 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
C
Grade C · 64.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Midwest Service Bureau, Inc.?
Midwest Service Bureau, Inc. has accumulated 58 total CFPB complaints across 6 states, with 5 filed in the most recent 12 months against 53 historical complaints before that window. The trailing-12-month volume represents 8.6% 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 "Communication tactics", narrowing to "Used obscene, profane, or other abusive language", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 11% 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 6 states, led by Kansas with 45 and Florida with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.0/100 places Midwest Service Bureau, Inc. 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
5
8.6% of total history
Stable →
States active
6
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
11%
After company response
Reputation grade
C
64.0/100 composite
Response-quality profile
How Midwest Service Bureau, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 22.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 10.7%
Share of US states + territories with at least one filed complaint against this collector.
How does Midwest Service Bureau, Inc. compare to its peers?
Midwest Service Bureau… 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)
2020-07 2025-12
Top Consumer Issues
Communication tactics17 (%)
Threatened to contact someone or share information improperly9 (%)
Written notification about debt6 (%)
Took or threatened to take negative or legal action6 (%)
Attempts to collect debt not owed3 (%)
Disclosure verification of debt2 (%)
Most common issue: Communication tactics — Used obscene, profane, or other abusive language
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 |
|---|---|---|
| Communication tactics | Used obscene, profane, or other abusive language | 8 |
| Communication tactics | Frequent or repeated calls | 7 |
| Threatened to contact someone or share information improperly | Contacted your employer | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
| Attempts to collect debt not owed | Debt is not yours | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 3 |
| Communication tactics | Used obscene/profane/abusive language | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
Where do complaints against Midwest Service Bureau, Inc. come from?
The states where consumers have filed the most CFPB complaints against Midwest Service Bureau, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Midwest Service Bureau, Inc.
Across 6 states with at least one filing
- Kansas
Kansas
45 complaints
- Florida 4
Florida
4 complaints
- Texas 3
Texas
3 complaints
- Oklahoma 3
Oklahoma
3 complaints
- Missouri 2
Missouri
2 complaints
- Arkansas 1
Arkansas
1 complaints
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 58 complaints filed with the CFPB.
Are complaints against Midwest Service Bureau, Inc. increasing or decreasing? ▼
Complaints against Midwest Service Bureau, Inc. have been stable. The company received 5 complaints in the last 12 months.
What is Midwest Service Bureau, Inc.'s reputation grade? ▼
Midwest Service Bureau, Inc. has a reputation grade of C (score: 64.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 6 states, with the most complaints from Kansas (45 complaints).
What can I do if Midwest Service Bureau, Inc. 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 Service Bureau, Inc. 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 |