MRS BPO, LLC

CFPB Consumer Complaint Profile

2,667
Total Complaints
640
Last 12 Months
100%
Timely Response
53
States Affected
MRS BPO, LLC timely response rate 100.0%
Industry benchmark

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

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — I do not know 713
Debt collection — Other debt 666
Debt collection — Telecommunications debt 353
Debt collection — Credit card debt 267
Credit reporting or other personal consumer reports — Credit reporting 199
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 132
Debt collection — Other (i.e. phone, health club, etc.) 116
Debt collection — Auto debt 68
Debt collection — Private student loan debt 33
Debt collection — Credit card 25

Top Issues

1.Attempts to collect debt not owed 1,039
2.Written notification about debt 395
3.Communication tactics 219
4.False statements or representation 198
5.Incorrect information on your report 182
6.Took or threatened to take negative or legal action 126
7.Cont'd attempts collect debt not owed 110
8.Electronic communications 91
9.Improper use of your report 77
10.Disclosure verification of debt 55

Complaints by Year

Year Complaints
2013 23
2014 68
2015 65
2016 69
2017 77
2018 101
2019 129
2020 156
2021 261
2022 231
2023 300
2024 397
2025 656
2026 134

Complaints by State (Top 15)

Texas 334
California 295
Florida 227
New York 153
North Carolina 150
Georgia 138
Ohio 120
Pennsylvania 92
New Jersey 90
Illinois 78
Virginia 70
Michigan 68
Maryland 62
South Carolina 60
Alabama 54

Company Responses

Closed with non-monetary relief 1,848
Closed with explanation 815
Closed 2
Closed with monetary relief 1
In progress 1

What the CFPB Complaint Record Shows for MRS BPO, LLC

The CFPB Consumer Complaint Database has logged 2,667 complaints against MRS BPO, LLC overall, with 640 of those filed in the trailing 12 months. Reports have come from consumers in 53 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. 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.

MRS BPO, LLC's timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 9.8% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 69.3% closed with some form of monetary or non-monetary relief to the consumer.

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 MRS BPO, LLC have?

MRS BPO, LLC has 2,667 total consumer complaints filed with the CFPB, with 640 filed in the last 12 months.

Does MRS BPO, LLC respond to complaints on time?

MRS BPO, LLC has a 100% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for MRS BPO, LLC?

The most complained-about product for MRS BPO, LLC is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with MRS BPO, LLC?

The most common issue reported by consumers about MRS BPO, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against MRS BPO, LLC?

You can file a complaint against MRS BPO, LLC 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 MRS BPO, LLC?

Consumers in 53 states and territories have filed complaints about MRS BPO, LLC with the CFPB.

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

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