Ratchford Law Group, P.C.
62 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Ratchford Law Group, P.C.
Ratchford Law Group, P.C.'s 62 logged complaints stay concentrated: only 9 states show a filing on record. 53.2% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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..
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?
62, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Ratchford Law Group, P.C. respond to complaints on time?
79% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Ratchford Law Group, P.C.?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.