Total CFPB complaints
31
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 31 complaints
MSW Capital, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 20 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about MSW Capital, LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
10 complaints
- Disclosure verification of debt
Disclosure verification of debt
6 complaints
- Written notification about debt
Written notification about debt
4 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
C
Grade C · 60.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about MSW Capital, LLC?
MSW Capital, LLC has accumulated 31 total CFPB complaints across 20 states, with 1 filed in the most recent 12 months against 30 historical complaints before that window. The trailing-12-month volume represents 3.2% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 84% timely-response rate against a 19% 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 20 states, led by Florida with 4 and Ohio with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.7/100 places MSW Capital, LLC 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
1
3.2% of total history
Rising ↑
States active
20
Distinct state filings
Timely response rate
84%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
C
60.7/100 composite
Response-quality profile
How MSW Capital, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 83.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 38.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 35.7%
Share of US states + territories with at least one filed complaint against this collector.
How does MSW Capital, LLC compare to its peers?
MSW Capital, 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)
2013-09 2025-12
Top Consumer Issues
Cont'd attempts collect debt not owed10 (%)
Disclosure verification of debt6 (%)
Written notification about debt4 (%)
False statements or representation2 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt was paid
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt was paid | 5 |
| Disclosure verification of debt | Not given enough info to verify debt | 4 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 2 |
| Written notification about debt | Didn't receive notice of right to dispute | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| False statements or representation | Indicated shouldn't respond to lawsuit | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against MSW Capital, LLC come from?
The states where consumers have filed the most CFPB complaints against MSW Capital, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against MSW Capital, LLC
Across 20 states with at least one filing
- Florida
Florida
4 complaints
- Ohio
Ohio
3 complaints
- Arizona
Arizona
3 complaints
- Georgia
Georgia
2 complaints
- New Jersey
New Jersey
2 complaints
- Nebraska
Nebraska
2 complaints
- Virginia
Virginia
2 complaints
- Maryland 1
Maryland
1 complaints
Frequently Asked Questions
What is the most common complaint against MSW Capital, LLC? ▼
The most common issue consumers report about MSW Capital, LLC is "Cont'd attempts collect debt not owed", specifically "Debt was paid". This is based on 31 complaints filed with the CFPB.
Are complaints against MSW Capital, LLC increasing or decreasing? ▼
Complaints against MSW Capital, LLC are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is MSW Capital, LLC's reputation grade? ▼
MSW Capital, LLC has a reputation grade of C (score: 60.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does MSW Capital, LLC respond to consumer complaints? ▼
MSW Capital, LLC has a 84% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.
In how many states does MSW Capital, LLC operate? ▼
MSW Capital, LLC has received CFPB complaints from consumers in 20 states, with the most complaints from Florida (4 complaints).
What can I do if MSW Capital, 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 MSW Capital, 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 |