CFPB Consumer Complaint Profile
Niagara Restitution Service Inc
Behind the 28 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 28
- Total complaints
- Mid-range
- 0
- Last 12 months
- 96.4%
- Timely response
- Below median
- 13
- States affected
The verdict
28 CFPB complaints put Niagara Restitution Service Inc at #2422 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 96.4%, the 36th percentile among companies with 100+ complaints.
- #2422
- of 3,843 companies by volume
- 96.4%
- on time (36th pctile)
- Debt collection
- most-complained product
- 13
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Niagara Restitution Service Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.4% Around the middle higher than 36% 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 |
|---|---|
| 2015 | 4 |
| 2016 | 3 |
| 2017 | 10 |
| 2018 | 4 |
| 2020 | 4 |
| 2021 | 1 |
| 2022 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Niagara Restitution Service Inc
28 complaints against Niagara Restitution Service Inc appear in the CFPB record, including 0 from the trailing year. The 13 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Took or threatened to take negative or legal action" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Niagara Restitution Service Inc draw a 96.4% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 22.2% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 17.9% 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 Niagara Restitution Service Inc have?
28 complaints have been filed against Niagara Restitution Service Inc with the CFPB overall - 0 of them in the past year.
Does Niagara Restitution Service Inc respond to complaints on time?
CFPB complaints against Niagara Restitution Service Inc draw a 96.4% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Niagara Restitution Service Inc?
"Debt collection" draws more CFPB complaints against Niagara Restitution Service Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Niagara Restitution Service Inc?
Consumers most often cite "Took or threatened to take negative or legal action" when complaining about Niagara Restitution Service Inc; the full issue list with counts is above.
How do I file a complaint against Niagara Restitution Service Inc?
You can file a complaint against Niagara Restitution Service 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 Niagara Restitution Service Inc?
The CFPB has recorded complaints against Niagara Restitution Service Inc from 13 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Niagara Restitution Service 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 (22.2% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Niagara Restitution Service Inc have?
28 complaints have been filed against Niagara Restitution Service Inc with the CFPB overall - 0 of them in the past year.
Does Niagara Restitution Service Inc respond to complaints on time?
CFPB complaints against Niagara Restitution Service Inc draw a 96.4% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Niagara Restitution Service Inc?
"Debt collection" draws more CFPB complaints against Niagara Restitution Service Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Niagara Restitution Service Inc?
Consumers most often cite "Took or threatened to take negative or legal action" when complaining about Niagara Restitution Service Inc; the full issue list with counts is above.
How do I file a complaint against Niagara Restitution Service Inc?
You can file a complaint against Niagara Restitution Service 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 Niagara Restitution Service Inc?
The CFPB has recorded complaints against Niagara Restitution Service Inc from 13 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.