CFPB Consumer Complaint Profile
Midwest Recovery Systems
1,933 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
- 1,933
- Total complaints
- 0
- Last 12 months
- 84.2%
- Timely response
- 52
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, Midwest Recovery Systems has accumulated 1,933 complaints, placing it #212 by volume. Its on-time response rate is 84.2%, trailing the 93% median among companies with 100+ complaints.
- #212
- of 3,848 companies by volume
- 84.2%
- answered on time
- Debt collection
- most-complained product
- 52
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 1 |
| 2015 | 13 |
| 2016 | 271 |
| 2017 | 424 |
| 2018 | 457 |
| 2019 | 364 |
| 2020 | 392 |
| 2021 | 10 |
| 2022 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Midwest Recovery Systems
Midwest Recovery Systems carries 1,933 complaints in the CFPB's database, 0 of them filed within the past 12 months. Consumers spanning 52 states and territories have weighed in, giving this a nationwide footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
84.2% of CFPB-forwarded complaints against Midwest Recovery Systems get a reply inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. In 14.9% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 0.1% 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 (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 Midwest Recovery Systems have?
1,933 complaints have been filed against Midwest Recovery Systems with the CFPB overall - 0 of them in the past year.
Does Midwest Recovery Systems respond to complaints on time?
Midwest Recovery Systems's CFPB timely-response rate is 84.2%.
What product generates the most complaints for Midwest Recovery Systems?
"Debt collection" draws more CFPB complaints against Midwest Recovery Systems than any other product - see the full breakdown above.
What is the most common complaint issue with Midwest Recovery Systems?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Midwest Recovery Systems; the full issue list with counts is above.
How do I file a complaint against Midwest Recovery Systems?
You can file a complaint against Midwest Recovery Systems 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 Recovery Systems?
Consumers in 52 states and territories have filed complaints about Midwest Recovery Systems 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~1,933)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.