CFPB · Single-product concentration
Niagara Restitution Service Inc
28 CFPB complaints · 96.4% in "Debt collection" · top issue Took or threatened to take negative or legal action.
Niagara Restitution Service Inc: 96.4% of 28 CFPB complaints sit in "Debt collection". Timely 96.4% · relief 17.9%. Allegations, not findings.
- Single-product concentration
- -50% filings 2015 to 2022
CFPB relief outcome brief
CCDB company niagara-restitution-service-inc
17.9% relief · 96.4% timely · 28 filings · Debt collection
Same-product relief peers
Nearest relief peer: MST Financial Services, L.L.C. (17.6% relief)
Niagara Restitution Service Inc closes 17.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Niagara Restitution Service Inc scores strongest on timely response (94/100 percentile-benchmarked) and weakest on closed with explanation (21/100), 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
84 / 100 percentile-benchmarked
17.9% of complaints closed with relief to the consumer
Timely response
94 / 100 percentile-benchmarked
96.4% of complaints answered inside the CFPB 15-day window
Closed with explanation
21 / 100 percentile-benchmarked
57.1% of complaints closed with an explanation to the consumer
Most of Niagara Restitution Service Inc's 28 filings include narrative text
60.7% 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.
Niagara Restitution Service Inc complaint mix by product
- Debt collection 27 96.4% – 19% relief
- Payday loan, 1 3.6% – 0% relief
How Niagara Restitution Service Inc's 28 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 27 |
| Payday loan, title loan, or personal loan | 1 |
Where Niagara Restitution Service Inc complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 28.6% of this company's filings
Niagara Restitution Service Inc falling annual filings
Annual filing volume from the CFPB public database
- 2022
- 2
- -50% vs 2015
Top States
| State | Complaints |
|---|---|
| TX | 8 |
| KY | 4 |
| LA | 3 |
| OH | 2 |
| FL | 2 |
| CA | 2 |
| TN | 1 |
| WI | 1 |
| VA | 1 |
| CO | 1 |
| AL | 1 |
| MI | 1 |
| NJ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 14 |
| Communication tactics | 4 |
| Cont'd attempts collect debt not owed | 3 |
| Taking/threatening an illegal action | 2 |
| False statements or representation | 1 |
| Disclosure verification of debt | 1 |
| Written notification about debt | 1 |
| Loan payment wasn't credited to your account | 1 |
| Threatened to contact someone or share information improperly | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 4 | 100% |
| 2016 | 3 | 100% |
| 2017 | 10 | 100% |
| 2018 | 4 | 100% |
| 2020 | 4 | 100% |
| 2021 | 1 | 100% |
| 2022 | 2 | 50% |
Source: CFPB Consumer Complaint Database
Niagara Restitution Service Inc filings cluster in one product
Niagara Restitution Service Inc's 28 logged complaints stay concentrated: only 13 states show a filing. 60.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2022-11-30.
Niagara Restitution Service Inc answers 96.4% of complaints inside the CFPB's tracked window and closes 57.1% with a written explanation. 17.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Took or threatened to take negative or legal action."
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 Niagara Restitution Service Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Niagara Restitution Service Inc: 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: 28.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 96.4%.
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 Niagara Restitution Service Inc (96.4% timely; 17.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration