CFPB Consumer Complaint Profile

M.A.R.S., Inc.

254 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.

Data updated 2026-05-15

254
Total complaints
56
Last 12 months
99.6%
Timely response
29
States affected

The verdict

M.A.R.S., Inc. ranks #782 of 3,848 financial companies by CFPB complaint volume, with 254 complaints on record. 99.6% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#782
of 3,848 companies by volume
99.6%
answered on time
Debt collection
most-complained product
29
states with complaints
M.A.R.S., Inc. timely response rate 99.6%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Other debt 64
Debt collection - Rental debt 53
Debt collection - I do not know 52
Debt collection - Other (i.e. phone, health club, etc.) 36
Credit reporting or other personal consumer reports - Credit reporting 26
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 10
Debt collection - Mortgage debt 4
Debt collection - Medical debt 3
Debt collection - Credit card 1
Debt collection - Credit card debt 1

Top Issues

1.False statements or representation 52
2.Attempts to collect debt not owed 52
3.Written notification about debt 41
4.Cont'd attempts collect debt not owed 21
5.Communication tactics 18
6.Took or threatened to take negative or legal action 17
7.Incorrect information on your report 16
8.Problem with a company's investigation into an existing problem 9
9.Improper use of your report 9
10.Disclosure verification of debt 7

Complaints by Year

Year Complaints
2013 5
2014 9
2015 18
2016 10
2017 14
2018 11
2019 17
2020 12
2021 9
2022 20
2023 17
2024 38
2025 58
2026 16

Complaints by State (Top 15)

Oklahoma 95
Texas 48
Kansas 26
Arkansas 15
Mississippi 11
Arizona 6
Missouri 6
Illinois 5
Indiana 4
California 4
Florida 4
Michigan 3
Connecticut 2
New York 2
Pennsylvania 2

Company Responses

Closed with explanation 253
Closed with non-monetary relief 1

What the CFPB Complaint Record Shows for M.A.R.S., Inc.

The CFPB Consumer Complaint Database has logged 254 complaints against M.A.R.S., Inc. overall, with 56 of those filed in the trailing 12 months. Reports have come from consumers in 29 states and territories, making this a multi-regional complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "False statements or representation" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

Within the Bureau's 15-day response window, M.A.R.S., Inc. answers 99.6% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response in 42.2% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 0.4% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does M.A.R.S., Inc. have?

M.A.R.S., Inc. has 254 total consumer complaints filed with the CFPB, with 56 filed in the last 12 months.

Does M.A.R.S., Inc. respond to complaints on time?

M.A.R.S., Inc. has a 99.6% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for M.A.R.S., Inc.?

The most complained-about product for M.A.R.S., Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with M.A.R.S., Inc.?

"False statements or representation" is the single most frequently cited issue in complaints against M.A.R.S., Inc. - see all issues and counts above.

How do I file a complaint against M.A.R.S., Inc.?

You can file a complaint against M.A.R.S., Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about M.A.R.S., Inc.?

M.A.R.S., Inc. has drawn CFPB complaints from 29 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.