CFPB · Single-product concentration
R.T.R. Financial Services, Inc.
88 CFPB complaints · 98.9% in "Debt collection" · top issue Attempts to collect debt not owed.
R.T.R. Financial Services, Inc.: 98.9% of 88 CFPB complaints sit in "Debt collection". Timely 97.7% · relief 1.1%. Allegations, not findings.
- Single-product concentration
- +350% filings 2018 to 2026
CFPB relief outcome brief
CCDB company r-t-r-financial-services-inc
1.1% relief · 97.7% timely · 88 filings · Debt collection
Same-product relief peers
Nearest relief peer: AmeriCollect (1.1% relief)
R.T.R. Financial Services, Inc. closes 1.1% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 88 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
R.T.R. Financial Services, Inc. complaint mix by product
- Debt collection 87 98.9% – 1% relief
- Credit reporting 1 1.1% – 0% relief
How R.T.R. Financial Services, Inc.'s 88 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 87 |
| Credit reporting or other personal consumer reports | 1 |
Concentrated filing states for R.T.R. Financial Services, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 51.1% of this company's filings
R.T.R. Financial Services, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 9
- +350% vs 2018
Top States
| State | Complaints |
|---|---|
| NY | 45 |
| FL | 16 |
| TX | 5 |
| NJ | 4 |
| VA | 4 |
| PA | 3 |
| MA | 2 |
| SC | 2 |
| NC | 1 |
| TN | 1 |
| MD | 1 |
| KY | 1 |
| AL | 1 |
| GA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 41 |
| Written notification about debt | 21 |
| Communication tactics | 12 |
| False statements or representation | 9 |
| Threatened to contact someone or share information improperly | 2 |
| Electronic communications | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Took or threatened to take negative or legal action | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 2 | 50% |
| 2019 | 8 | 100% |
| 2020 | 2 | 100% |
| 2021 | 4 | 75% |
| 2022 | 6 | 100% |
| 2023 | 16 | 100% |
| 2024 | 14 | 100% |
| 2025 | 27 | 100% |
| 2026 | 9 | 100% |
Source: CFPB Consumer Complaint Database
R.T.R. Financial Services, Inc. filings cluster in one product
R.T.R. Financial Services, Inc.'s 88 logged complaints stay concentrated: only 14 states show a filing. Only 38.6% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2018 through 2026-06-22.
R.T.R. Financial Services, Inc. answers 97.7% of complaints inside the CFPB's tracked window and closes 97.7% with a written explanation. 1.1% 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.T.R. Financial Services, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for R.T.R. Financial Services, 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: 88.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.7%.
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.T.R. Financial Services, Inc. (97.7% timely; 1.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration