CFPB · Single-product concentration
Ratchford Law Group, P.C.
62 CFPB complaints · 88.7% in "Debt collection" · top issue Attempts to collect debt not owed.
Ratchford Law Group, P.C.: 88.7% of 62 CFPB complaints sit in "Debt collection". Timely 79% · relief 0%. Allegations, not findings.
- Single-product concentration
- +1400% filings 2022 to 2026
CFPB relief outcome brief
CCDB company ratchford-law-group-p-c
0% relief · 79% timely · 62 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Ratchford Law Group, P.C. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Ratchford Law Group, P.C.'s 62 filings include narrative text
53.2% 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.
Ratchford Law Group, P.C. complaint mix by product
- Debt collection 55 88.7% – 0% relief
- Credit reporting 3 4.8% – 0% relief
- Student loan 2 3.2% – 0% relief
- Credit card 1 1.6% – 0% relief
- Checking or 1 1.6% – 0% relief
How Ratchford Law Group, P.C.'s 62 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 55 |
| Credit reporting or other personal consumer reports | 3 |
| Student loan | 2 |
| Credit card | 1 |
| Checking or savings account | 1 |
Concentrated filing states for Ratchford Law Group, P.C.
Top states by attributed CFPB complaint volume for this company
- Leading state
- PA
- 48.4% of this company's filings
Ratchford Law Group, P.C. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 15
- +1400% vs 2022
Top States
| State | Complaints |
|---|---|
| PA | 30 |
| MA | 15 |
| CT | 5 |
| RI | 5 |
| NH | 2 |
| DC | 2 |
| NJ | 1 |
| NY | 1 |
| WV | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 18 |
| False statements or representation | 13 |
| Took or threatened to take negative or legal action | 10 |
| Written notification about debt | 10 |
| Threatened to contact someone or share information improperly | 2 |
| Incorrect information on your report | 2 |
| Struggling to repay your loan | 1 |
| Dealing with your lender or servicer | 1 |
| Communication tactics | 1 |
| Electronic communications | 1 |
| Improper use of your report | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Closing an account | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 1 | 0% |
| 2023 | 5 | 100% |
| 2024 | 12 | 58.3% |
| 2025 | 29 | 82.8% |
| 2026 | 15 | 86.7% |
Source: CFPB Consumer Complaint Database
Ratchford Law Group, P.C. filings cluster in one product
Ratchford Law Group, P.C.'s 62 logged complaints stay concentrated: only 9 states show a filing. 53.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2022 through 2026-05-28.
Ratchford Law Group, P.C. answers 79% of complaints inside the CFPB's tracked window and closes 98.4% with a written explanation. 0% 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 Ratchford Law Group, P.C..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Ratchford Law Group, P.C.: 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: 62.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 79%.
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 Ratchford Law Group, P.C. (79% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration