CFPB · Single-product concentration
R.M. Galicia, Inc.
987 CFPB complaints · 86.3% in "Debt collection" · top issue Attempts to collect debt not owed.
R.M. Galicia, Inc.: 86.3% of 987 CFPB complaints sit in "Debt collection". Timely 98.1% · relief 36.1%. Allegations, not findings.
- Single-product concentration
- -23.5% filings 2013 to 2026
CFPB relief outcome brief
CCDB company r-m-galicia-inc
36.1% relief · 98.1% timely · 987 filings · Debt collection
Same-product relief peers
Nearest relief peer: Encore Capital Group Inc. (36% relief)
R.M. Galicia, Inc. closes 36.1% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of R.M. Galicia, Inc.'s 987 filings include narrative text
41.7% 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.
R.M. Galicia, Inc. complaint mix by product
- Debt collection 852 86.3% – 37% relief
- Credit reporting, 92 9.3% – 35% relief
- Credit reporting 37 3.7% – 27% relief
- Debt or 2 0.2% – 0% relief
- Credit reporting 2 0.2% – 0% relief
- Bank account 1 0.1% – 100% relief
- Consumer Loan 1 0.1% – 0% relief
How R.M. Galicia, Inc.'s 987 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 852 |
| Credit reporting, credit repair services, or other personal consumer reports | 92 |
| Credit reporting or other personal consumer reports | 37 |
| Debt or credit management | 2 |
| Credit reporting | 2 |
| Bank account or service | 1 |
| Consumer Loan | 1 |
Concentrated filing states for R.M. Galicia, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 70.1% of this company's filings
R.M. Galicia, Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 13
- -23.5% vs 2013
Top States
| State | Complaints |
|---|---|
| CA | 692 |
| AZ | 101 |
| TX | 25 |
| NV | 25 |
| NC | 15 |
| SC | 14 |
| FL | 12 |
| VA | 11 |
| OK | 11 |
| GA | 10 |
| NY | 7 |
| HI | 6 |
| IL | 5 |
| OR | 5 |
| IA | 4 |
| WA | 4 |
| NM | 4 |
| MS | 3 |
| UT | 3 |
| PA | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 287 |
| Written notification about debt | 188 |
| Cont'd attempts collect debt not owed | 109 |
| False statements or representation | 93 |
| Incorrect information on your report | 69 |
| Disclosure verification of debt | 60 |
| Took or threatened to take negative or legal action | 51 |
| Communication tactics | 36 |
| Problem with a credit reporting company's investigation into an existing problem | 21 |
| Improper use of your report | 21 |
| Improper contact or sharing of info | 14 |
| Problem with a company's investigation into an existing problem | 11 |
| Threatened to contact someone or share information improperly | 10 |
| Fraud or scam | 7 |
| Charged upfront or unexpected fees | 2 |
| Electronic communications | 2 |
| Incorrect information on credit report | 2 |
| Taking/threatening an illegal action | 2 |
| Account opening, closing, or management | 1 |
| Problems when you are unable to pay | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 17 | 94.1% |
| 2014 | 51 | 100% |
| 2015 | 57 | 100% |
| 2016 | 68 | 100% |
| 2017 | 79 | 100% |
| 2018 | 83 | 100% |
| 2019 | 70 | 100% |
| 2020 | 90 | 100% |
| 2021 | 122 | 97.5% |
| 2022 | 109 | 92.7% |
| 2023 | 89 | 97.8% |
| 2024 | 102 | 99% |
| 2025 | 37 | 97.3% |
| 2026 | 13 | 76.9% |
Source: CFPB Consumer Complaint Database
R.M. Galicia, Inc. filings cluster in one product
R.M. Galicia, Inc.'s 987 logged complaints stay concentrated: only 35 states show a filing. 41.7% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-05-10.
R.M. Galicia, Inc. answers 98.1% of complaints inside the CFPB's tracked window and closes 63.8% with a written explanation. 36.1% 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 "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 R.M. Galicia, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for R.M. Galicia, 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: 987.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.1%.
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 R.M. Galicia, Inc. (98.1% timely; 36.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration