Total CFPB complaints
27
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 27 complaints
Niagara Restitution Service Inc — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Niagara Restitution Service Inc
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
14 complaints
- Communication tactics 4
Communication tactics
4 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Taking/threatening an illegal action 2
Taking/threatening an illegal action
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
C
Grade C · 64.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Niagara Restitution Service Inc?
Niagara Restitution Service Inc has accumulated 27 total CFPB complaints across 12 states, with 0 filed in the most recent 12 months against 27 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened to arrest you or take you to jail if you do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate against a 22% 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 12 states, led by Texas with 8 and Kentucky with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.9/100 places Niagara Restitution Service Inc 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
0
0.0% of total history
Stable →
States active
12
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
C
64.9/100 composite
Response-quality profile
How Niagara Restitution Service Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 44.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Niagara Restitution Service Inc compare to its peers?
Niagara Restitution Se… 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)
2015-11 2022-11
Top Consumer Issues
Took or threatened to take negative or legal action14 (%)
Cont'd attempts collect debt not owed2 (%)
Taking/threatening an illegal action2 (%)
Communication tactics4 (%)
Threatened to contact someone or share information improperly1 (%)
Disclosure verification of debt1 (%)
False statements or representation1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 12 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| Communication tactics | Threatened to take legal action | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| False statements or representation | Impersonated an attorney or official | 1 |
Where do complaints against Niagara Restitution Service Inc come from?
The states where consumers have filed the most CFPB complaints against Niagara Restitution Service Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Niagara Restitution Service Inc
Across 12 states with at least one filing
- Texas
Texas
8 complaints
- Kentucky
Kentucky
4 complaints
- Louisiana 3
Louisiana
3 complaints
- Ohio 2
Ohio
2 complaints
- California 2
California
2 complaints
- Florida 2
Florida
2 complaints
- Wisconsin 1
Wisconsin
1 complaints
- Virginia 1
Virginia
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Niagara Restitution Service Inc's reputation grade? ▼
Niagara Restitution Service Inc has a reputation grade of C (score: 64.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Niagara Restitution Service 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 Niagara Restitution Service 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 |