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.
- Volume rank #230 of 342
- 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 →
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
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