CFPB · Diversified product mix
RAM America, Inc
12 CFPB complaints · diversified mix (top product 33.3%) · top issue Dealing with your lender or servicer.
RAM America, Inc: top product "Debt collection" is only 33.3% of 12 - multi-bucket mix. Timely 100% · relief 33.3%. Allegations, not findings.
- Diversified product mix
- -50% filings 2022 to 2026
CFPB relief outcome brief
CCDB company ram-america-inc
33.3% relief · 100% timely · 12 filings · Debt collection
Same-product relief peers
Nearest relief peer: Merchants and Medical Credit Corporation, Inc. (33.4% relief)
RAM America, Inc closes 33.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of RAM America, Inc's 12 filings include narrative text
50% 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.
RAM America, Inc complaint mix by product
- Debt collection 4 33.3% – 100% relief
- Student loan 3 25.0% – 0% relief
- Debt or 2 16.7% – 0% relief
- Money transfer, 2 16.7% – 0% relief
- Checking or 1 8.3% – 0% relief
How RAM America, Inc's 12 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 4 |
| Student loan | 3 |
| Debt or credit management | 2 |
| Money transfer, virtual currency, or money service | 2 |
| Checking or savings account | 1 |
Where RAM America, Inc complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 16.7% of this company's filings
RAM America, Inc falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -50% vs 2022
Top States
| State | Complaints |
|---|---|
| FL | 2 |
| MO | 2 |
| OH | 2 |
| NY | 2 |
| MI | 1 |
| TX | 1 |
| CA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Dealing with your lender or servicer | 3 |
| False statements or representation | 3 |
| Problem with customer service | 2 |
| Didn't provide services promised | 1 |
| Written notification about debt | 1 |
| Unauthorized withdrawals or charges | 1 |
| Managing an account | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 2 | 100% |
| 2023 | 3 | 100% |
| 2024 | 4 | 100% |
| 2025 | 2 | 100% |
| 2026 | 1 | 100% |
Source: CFPB Consumer Complaint Database
RAM America, Inc spreads across product buckets
RAM America, Inc's 12 logged complaints stay concentrated: only 7 states show a filing. 50% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2022 through 2026-04-07.
RAM America, Inc answers 100% of complaints inside the CFPB's tracked window and closes 66.7% with a written explanation. 33.3% 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 "Dealing with your lender or servicer."
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 RAM America, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for RAM America, 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: 12.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
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 RAM America, Inc (100% timely; 33.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix