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

CFPB complaint data Grade C 27 complaints

Niagara Restitution Service Inc - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade C.

Complaints by issue type

What consumers report about Niagara Restitution Service Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 27
  • GRADE C
  • 12MO 0
  • STATES 12
  • TIMELY 96%
  • DISPUTE 22%
  • ISSUE Took or threatened to take…
  • RANK #1,634
  • COMPOSE Not ranked

Volume peers

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

AAA Auto Title Loans, LLCAAA Auto Title Loans, LLC27Alliance Asset Management, Inc (Closed)Alliance Asset Management, I…27American Collection Systems, Inc.American Collection Systems,…27American Revenue Management, Inc.American Revenue Management,…27Niagara Restitution Service Inc (this)Niagara Restitution Service …27
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 →

How the 27 complaints break down

Every complaint issue type on record for Niagara Restitution Service Inc, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
61.3/100
Niagara Restitution Service Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
27
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
96%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
22%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

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

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. 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)
Corpus ranks
#1,634 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Service Inc National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
96%
67%
91%
Consumer-dispute ratelower is better
22%
11%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Niagara Restitution Service Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100% 0%5%10%15%20%25% Timely response rate (%) Dispute rate (%) Niagara Restitution Service Inc vs. 7 similar-volume peers, by response speed and dispute rate Niagara Restitution Service IncNationwide Arbitration Services LLCPOM Recoveries, Inc.Patrick K Willis Company IncMEI AUTO FINANCE INCProtocol Recovery Service, Inc.Legal Prevention Services, LLC.RAB PERFORMANCE RECOVERIES, LLC
Source: CFPB Consumer Complaint Database

Niagara Restitution Service Inc's complaint volume in context

Niagara Restitution Service Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

27 70th percentile higher than 70% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Niagara Restitution Service Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against Niagara Restitution Service Inc

Across 12 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.