What is the most common complaint against MSCB, Inc.?

The most common issue consumers report about MSCB, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 41 complaints filed with the CFPB.

Are complaints against MSCB, Inc. increasing or decreasing?

Complaints against MSCB, Inc. have been stable. The company received 11 complaints in the last 12 months.

What is MSCB, Inc.'s reputation grade?

MSCB, Inc. has a reputation grade of D (score: 53.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does MSCB, Inc. respond to consumer complaints?

MSCB, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does MSCB, Inc. operate?

MSCB, Inc. has received CFPB complaints from consumers in 9 states, with the most complaints from Tennessee (17 complaints).

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

MSCB, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

19
Written notification about debt

7
False statements or representation

7
Communication tactics

5
Took or threatened to take negative or legal action

3

Data updated September 2026

CFPB complaint disposition

CCDB record mscb-inc MSCB, Inc.

Grade D · 41 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1326 · compose #3568

VOL 41
GRADE D
12MO 11
STATES 9
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #1,326
COMPOSE #3,568

Volume peers

Nearest volume peer: First Horizon Bank (41 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

MSCB, Inc.'s 41 CFPB complaints sit next to First Horizon Bank 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 →

State-heavy filing map

41.5% of MSCB, Inc.'s CFPB filings land in Tennessee

High volume does not equal a clean composite: MSCB, Inc. is volume #1,326 but composite #3,568, while Tennessee dominates the geography. Corpus placement method.

Dominant state: Tennessee 41.5%; 17 of 41 filings · 9 states touched
Seasonal peak: 2016-12 13.3%; 8–15% band · 2 filings
Divergent corpus ranks: #1,326 volume; #3,568 composite; Cleanest-composite ladder is 2,242 places worse than volume

How does MSCB, Inc. compare to its peers?

How does MSCB, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

MSCB, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

98%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-02 2018-09

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	19
Written notification about debt	7
False statements or representation	7
Communication tactics	5
Took or threatened to take negative or legal action	3

Where do complaints against MSCB, Inc. come from?

MSCB, Inc.'s own per-state count, not a national baseline.

Tennessee

17
Mississippi

7
Arkansas

6
Georgia

3
Indiana

3
Kentucky

2
Florida

1
Missouri

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for MSCB, Inc.: 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: 41.

4 peers

Know your rights before responding to MSCB, Inc.: 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.