CFPB Consumer Complaint Profile
Midwest Credit & Collection, Inc.
Consumers have filed 87 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 87
- Total complaints
- Mid-range
- 6
- Last 12 months
- 98.9%
- Timely response
- Above median
- 2
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Midwest Credit & Collection, Inc. has accumulated 87 complaints, placing it #1418 by volume. Its on-time response rate is 98.9%, the 59th percentile among companies with 100+ complaints.
- #1418
- of 3,843 companies by volume
- 98.9%
- on time (59th pctile)
- Debt collection
- most-complained product
- 2
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Midwest Credit & Collection, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.9% Higher than most higher than 59% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 2 |
| 2017 | 1 |
| 2018 | 47 |
| 2019 | 1 |
| 2021 | 8 |
| 2022 | 11 |
| 2023 | 7 |
| 2024 | 4 |
| 2025 | 6 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Midwest Credit & Collection, Inc.
87 complaints against Midwest Credit & Collection, Inc. appear in the CFPB record, including 6 from the trailing year. The 2 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Midwest Credit & Collection, Inc. draw a 98.9% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response at a 100% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 9.2% closed with some form of monetary or non-monetary relief to 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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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 Midwest Credit & Collection, Inc. have?
The CFPB has logged 87 complaints against Midwest Credit & Collection, Inc. to date, of which 6 came in over the last 12 months.
Does Midwest Credit & Collection, Inc. respond to complaints on time?
CFPB complaints against Midwest Credit & Collection, Inc. draw a 98.9% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Midwest Credit & Collection, Inc.?
Among all products tied to Midwest Credit & Collection, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Midwest Credit & Collection, Inc.?
The most common issue reported by consumers about Midwest Credit & Collection, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Midwest Credit & Collection, Inc.?
You can file a complaint against Midwest Credit & Collection, 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 Midwest Credit & Collection, Inc.?
Consumers in 2 states and territories have filed complaints about Midwest Credit & Collection, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Midwest Credit & Collection, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (100% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Midwest Credit & Collection, Inc. have?
The CFPB has logged 87 complaints against Midwest Credit & Collection, Inc. to date, of which 6 came in over the last 12 months.
Does Midwest Credit & Collection, Inc. respond to complaints on time?
CFPB complaints against Midwest Credit & Collection, Inc. draw a 98.9% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Midwest Credit & Collection, Inc.?
Among all products tied to Midwest Credit & Collection, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Midwest Credit & Collection, Inc.?
The most common issue reported by consumers about Midwest Credit & Collection, Inc. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Midwest Credit & Collection, Inc.?
You can file a complaint against Midwest Credit & Collection, 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 Midwest Credit & Collection, Inc.?
Consumers in 2 states and territories have filed complaints about Midwest Credit & Collection, Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.