What is the most common complaint against Niagara Restitution Service Inc?

The most common issue consumers report about Niagara Restitution Service Inc is "Took or threatened to take negative or legal action", specifically "Threatened to arrest you or take you to jail if you do not pay". This is based on 27 complaints filed with the CFPB.

Are complaints against Niagara Restitution Service Inc increasing or decreasing?

Complaints against Niagara Restitution Service Inc are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Niagara Restitution Service Inc's reputation grade?

Niagara Restitution Service Inc has a reputation grade of C (score: 61.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Niagara Restitution Service Inc respond to consumer complaints?

Niagara Restitution Service Inc has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Niagara Restitution Service Inc operate?

Niagara Restitution Service Inc has received CFPB complaints from consumers in 12 states, with the most complaints from Texas (8 complaints).

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

Niagara Restitution Service Inc - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade C.

Compiled by PlainCollector

Took or threatened to take negative or legal action

14
Communication tactics

4
Cont'd attempts collect debt not owed

3
Taking/threatening an illegal action

2
Written notification about debt

1
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record niagara-restitution-service-inc Niagara Restitution Service Inc

Grade C · 27 CFPB filings · 96% timely · lead issue: Took or threatened to take negative or legal action · vol #1634 · compose #2202

VOL 27
GRADE C
12MO 0
STATES 12
TIMELY 96%
DISPUTE 22%
ISSUE Took or threatened to take…
RANK #1,634
COMPOSE #2,202

Volume peers

Nearest volume peer: AAA Auto Title Loans, LLC (27 complaints)

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

Niagara Restitution Service Inc's 27 CFPB complaints sit next to AAA Auto Title Loans, LLC 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 →

Spiky monthly series

Texas is the plurality state for Niagara Restitution Service Inc (29.6%)

The 2022-09 spike coincides with a 568-place gap between volume rank #1,634 and composite #2,202. Corpus placement method.

Plurality state: Texas 29.6%; Mid-band (15–30%) · 12 states with ≥1 filing
Spike month: 2022-09 25.0%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,634 volume; #2,202 composite; Cleanest-composite ladder is 568 places worse than volume

How does Niagara Restitution Service Inc compare to its peers?

How does Niagara Restitution Service 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

Niagara Restitution Se… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

96%

67%

91%

Consumer-dispute ratelower is better

22%

11%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-11 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	14
Communication tactics	4
Cont'd attempts collect debt not owed	3
Taking/threatening an illegal action	2
Written notification about debt	1
False statements or representation	1
Disclosure verification of debt	1
Threatened to contact someone or share information improperly	1

Where do complaints against Niagara Restitution Service Inc come from?

Niagara Restitution Service Inc's own per-state count, not a national baseline.

Texas

8
Kentucky

4
Louisiana

3
California

2
Florida

2
Ohio

2
Colorado

1
Michigan

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Niagara Restitution Service 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: 27.

4 peers

Know your rights before responding to Niagara Restitution Service 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.