Total CFPB complaints
96
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 96 complaints
MS SERVICES LLC — Debt Collector Complaint Profile
CFPB complaint profile across 26 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about MS SERVICES LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
40 complaints
- Written notification about debt 14
Written notification about debt
14 complaints
- False statements or representation 7
False statements or representation
7 complaints
- Communication tactics 7
Communication tactics
7 complaints
- Took or threatened to take negative or legal action 5
Took or threatened to take negative or legal action
5 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
D
Grade D · 55.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about MS SERVICES LLC?
MS SERVICES LLC has accumulated 96 total CFPB complaints across 26 states, with 9 filed in the most recent 12 months against 87 historical complaints before that window. The trailing-12-month volume represents 9.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 96% timely-response rate against a 35% 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 26 states, led by California with 36 and Wyoming with 11, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.7/100 places MS SERVICES LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
9
9.4% of total history
Rising ↑
States active
26
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
35%
After company response
Reputation grade
D
55.7/100 composite
Response-quality profile
How MS SERVICES LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 95.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 70.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 46.4%
Share of US states + territories with at least one filed complaint against this collector.
How does MS SERVICES LLC compare to its peers?
MS SERVICES LLC 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)
2021-10 2026-02
Top Consumer Issues
Attempts to collect debt not owed40 (%)
False statements or representation7 (%)
Written notification about debt14 (%)
Took or threatened to take negative or legal action5 (%)
Communication tactics7 (%)
Disclosure verification of debt3 (%)
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 | 18 |
| Attempts to collect debt not owed | Debt was result of identity theft | 16 |
| False statements or representation | Attempted to collect wrong amount | 7 |
| Written notification about debt | Didn't receive enough information to verify debt | 7 |
| Written notification about debt | Didn't receive notice of right to dispute | 7 |
| Attempts to collect debt not owed | Debt was paid | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
| Communication tactics | Threatened to take legal action | 3 |
| Disclosure verification of debt | Right to dispute notice not received | 3 |
Where do complaints against MS SERVICES LLC come from?
The states where consumers have filed the most CFPB complaints against MS SERVICES LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against MS SERVICES LLC
Across 26 states with at least one filing
- California
California
36 complaints
- Wyoming 11
Wyoming
11 complaints
- Colorado 9
Colorado
9 complaints
- Mississippi 4
Mississippi
4 complaints
- Montana 3
Montana
3 complaints
- Georgia 3
Georgia
3 complaints
- Tennessee 3
Tennessee
3 complaints
- Iowa 2
Iowa
2 complaints
Frequently Asked Questions
What is the most common complaint against MS SERVICES LLC? ▼
The most common issue consumers report about MS SERVICES LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 96 complaints filed with the CFPB.
Are complaints against MS SERVICES LLC increasing or decreasing? ▼
Complaints against MS SERVICES LLC are rising. The company received 9 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is MS SERVICES LLC's reputation grade? ▼
MS SERVICES LLC has a reputation grade of D (score: 55.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does MS SERVICES LLC respond to consumer complaints? ▼
MS SERVICES LLC has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 35% of cases.
In how many states does MS SERVICES LLC operate? ▼
MS SERVICES LLC has received CFPB complaints from consumers in 26 states, with the most complaints from California (36 complaints).
What can I do if MS SERVICES LLC 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 MS SERVICES LLC 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 |