CFPB · Slower timely-response band
Midwest Recovery Systems
1.9K CFPB complaints · 84.2% timely (slow band) · top issue Attempts to collect debt not owed.
Midwest Recovery Systems answers 84.2% on time (lower third) across 1.9K filings. Relief 0.1% · top product Debt collection. Allegations, not findings.
- Slower timely-response band
- 0% filings 2014 to 2022
CFPB relief outcome brief
CCDB company midwest-recovery-systems
0.1% relief · 84.2% timely · 1.9K filings · Debt collection
Same-product relief peers
Nearest relief peer: Fair Collections & Outsourcing, Inc. (0.1% relief)
Midwest Recovery Systems closes 0.1% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Midwest Recovery Systems scores strongest on closed with explanation (99/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0.1% of complaints closed with relief to the consumer
Timely response
72 / 100 percentile-benchmarked
84.2% of complaints answered inside the CFPB 15-day window
Closed with explanation
99 / 100 percentile-benchmarked
99.3% of complaints closed with an explanation to the consumer
Most of Midwest Recovery Systems's 1.9K filings include narrative text
60.8% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Midwest Recovery Systems complaint mix by product
- Debt collection 2K 79.8% – 0% relief
- Credit reporting, 318 16.5% – 0% relief
- Payday loan 35 1.8% – 0% relief
- Payday loan, 29 1.5% – 0% relief
- Credit reporting 5 0.3% – 0% relief
- Consumer Loan 2 0.1% – 0% relief
- Bank account 1 0.1% – 0% relief
Lighter-volume mix: how Midwest Recovery Systems's 1.9K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 1.5K |
| Credit reporting, credit repair services, or other personal consumer reports | 318 |
| Payday loan | 35 |
| Payday loan, title loan, or personal loan | 29 |
| Credit reporting | 5 |
| Consumer Loan | 2 |
| Bank account or service | 1 |
| Credit card | 1 |
| Credit card or prepaid card | 1 |
Nationwide filing states for Midwest Recovery Systems
Top states by attributed volume, lighter-filing company
- Leading state
- TX
- 21% of this company's filings
Midwest Recovery Systems complaints by year
Annual filing volume from the CFPB public database
- 2022
- 1
- 0% vs 2014
Volume vs. relief
Where Midwest Recovery Systems sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Midwest Recovery Systems files more complaint volume than 33% of them, and closes complaints with relief more often than 16% of them, placing it in the quadrant for lower volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,933 · Closed with relief: 0.1%
Top States
| State | Complaints |
|---|---|
| TX | 405 |
| FL | 209 |
| CA | 202 |
| OH | 90 |
| GA | 79 |
| MI | 70 |
| LA | 64 |
| PA | 60 |
| VA | 59 |
| SC | 53 |
| AL | 49 |
| NY | 49 |
| NC | 46 |
| MD | 42 |
| MO | 40 |
| NJ | 39 |
| IN | 32 |
| TN | 30 |
| IL | 26 |
| DE | 21 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 622 |
| Written notification about debt | 405 |
| Incorrect information on your report | 261 |
| Cont'd attempts collect debt not owed | 185 |
| Disclosure verification of debt | 94 |
| Took or threatened to take negative or legal action | 83 |
| False statements or representation | 83 |
| Communication tactics | 43 |
| Problem with a credit reporting company's investigation into an existing problem | 41 |
| Can't contact lender | 17 |
| Improper use of your report | 16 |
| Received a loan I didn't apply for | 12 |
| Taking/threatening an illegal action | 11 |
| Threatened to contact someone or share information improperly | 8 |
| Improper contact or sharing of info | 7 |
| Credit monitoring or identity theft protection services | 7 |
| Received a loan you didn't apply for | 7 |
| Incorrect information on credit report | 5 |
| Charged fees or interest I didn't expect | 4 |
| Charged fees or interest you didn't expect | 3 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 1 | 0% |
| 2015 | 13 | 15.4% |
| 2016 | 271 | 21% |
| 2017 | 424 | 96.2% |
| 2018 | 457 | 97.6% |
| 2019 | 364 | 87.1% |
| 2020 | 392 | 98.5% |
| 2021 | 10 | 100% |
| 2022 | 1 | 100% |
Source: CFPB Consumer Complaint Database
Midwest Recovery Systems in the slower-timely third
Midwest Recovery Systems's 1,933 logged complaints reach a nationwide footprint - 53 states have at least one filing. 60.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2022-03-28. Timely response 84.2% sits in the lower third of the corpus.
Midwest Recovery Systems answers 84.2% of complaints inside the CFPB's tracked window (timely band: slow) and closes 0.1% with relief; 99.3% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Midwest Recovery Systems.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Midwest Recovery Systems: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 1.9K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 84.2%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Midwest Recovery Systems (#230 of 342; 84.2% timely; 0.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band