Total complaints
36
Filed since 2022
2026 data Public-data reference. official source
Ratchford Law Group, P.C.
36 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
36 consumer complaints filed with the CFPB
This profile shows Ratchford Law Group, P.C.'s complaint history from CFPB public records. 36 consumers have filed complaints since 2022. The company has a 80.6% timely response rate and has provided relief in 0% of cases.
36
Total Complaints
80.6%
Timely Response
0%
Disputed
0%
Relief Provided
7
States Active
2022
Since
Timely response
80.6%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 80.6%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
Ratchford Law Group, P.C. complaint mix by product
- Debt collection 30 83.3% – 0% relief
- Credit reporting 3 8.3% – 0% relief
- Student loan 2 5.6% – 0% relief
- Checking or 1 2.8% – 0% relief
How Ratchford Law Group, P.C.'s 36 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 30 |
| Credit reporting or other personal consumer reports | 3 |
| Student loan | 2 |
| Checking or savings account | 1 |
Top States
| State | Complaints |
|---|---|
| PA | 19 |
| MA | 10 |
| CT | 3 |
| WV | 1 |
| NH | 1 |
| NY | 1 |
| RI | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 11 |
| False statements or representation | 7 |
| Written notification about debt | 5 |
| Took or threatened to take negative or legal action | 4 |
| Incorrect information on your report | 2 |
| Closing an account | 1 |
| Dealing with your lender or servicer | 1 |
| Electronic communications | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Communication tactics | 1 |
| Problem with a company's investigation into an existing problem | 1 |
| Struggling to repay your loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2022 | 1 | 0% |
| 2023 | 2 | 100% |
| 2024 | 5 | 80% |
| 2025 | 20 | 80% |
| 2026 | 8 | 87.5% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Ratchford Law Group, P.C.
Ratchford Law Group, P.C. has accumulated 36 consumer complaints in the CFPB public database, with filings active across 7 U.S. states. Of those submissions, 11 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2022, and the most recent logged activity is 2026-03-23, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Ratchford Law Group, P.C. reports a 80.6% timely-response rate and has closed 100% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Attempts to collect debt not owed".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Ratchford Law Group, P.C.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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.
Frequently Asked Questions
How many CFPB complaints does Ratchford Law Group, P.C. have?
Ratchford Law Group, P.C. has received 36 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Ratchford Law Group, P.C. respond to complaints on time?
Ratchford Law Group, P.C. has a 80.6% timely response rate to CFPB complaints.
What is the most common complaint about Ratchford Law Group, P.C.?
The most common issue reported against Ratchford Law Group, P.C. is "Attempts to collect debt not owed" in the "Debt collection" product category.
Read our methodology — how this data is sourced, computed, and verified.
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