Total CFPB complaints
39
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 39 complaints
MSCB, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about MSCB, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
19 complaints
- Written notification about debt 7
Written notification about debt
7 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Communication tactics 4
Communication tactics
4 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
D
Grade D · 57.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about MSCB, Inc.?
MSCB, Inc. has accumulated 39 total CFPB complaints across 9 states, with 12 filed in the most recent 12 months against 27 historical complaints before that window. The trailing-12-month volume represents 30.8% 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 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 9 states, led by Tennessee with 17 and Arkansas with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.4/100 places MSCB, Inc. 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
12
30.8% of total history
Rising ↑
States active
9
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
57.4/100 composite
Response-quality profile
How MSCB, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does MSCB, Inc. compare to its peers?
MSCB, Inc. 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)
2018-10 2026-01
Top Consumer Issues
Attempts to collect debt not owed19 (%)
False statements or representation5 (%)
Written notification about debt7 (%)
Communication tactics4 (%)
Took or threatened to take negative or legal action3 (%)
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 | 13 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Communication tactics | Frequent or repeated calls | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
Where do complaints against MSCB, Inc. come from?
The states where consumers have filed the most CFPB complaints against MSCB, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against MSCB, Inc.
Across 9 states with at least one filing
- Tennessee
Tennessee
17 complaints
- Arkansas 6
Arkansas
6 complaints
- Mississippi 5
Mississippi
5 complaints
- Georgia 3
Georgia
3 complaints
- Indiana 3
Indiana
3 complaints
- Kentucky 2
Kentucky
2 complaints
- Florida 1
Florida
1 complaints
- Missouri 1
Missouri
1 complaints
Frequently Asked Questions
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 39 complaints filed with the CFPB.
Are complaints against MSCB, Inc. increasing or decreasing? ▼
Complaints against MSCB, Inc. are rising. The company received 12 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is MSCB, Inc.'s reputation grade? ▼
MSCB, Inc. has a reputation grade of D (score: 57.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if MSCB, 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 MSCB, 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 |