Reliable Credit Association, Inc.
161 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.
Reliable Credit Association, Inc. complaint mix by product
- Debt collection 43 26.9% – 0% relief
- Vehicle loan 39 24.4% – 8% relief
- Credit reporting 32 20.0% – 6% relief
- Credit reporting, 28 17.5% – 0% relief
- Consumer Loan 12 7.5% – 17% relief
- Payday loan, 5 3.1% – 0% relief
- Payday loan, 1 0.6% – 0% relief
How Reliable Credit Association, Inc.'s 161 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 43 |
| Vehicle loan or lease | 39 |
| Credit reporting or other personal consumer reports | 32 |
| Credit reporting, credit repair services, or other personal consumer reports | 28 |
| Consumer Loan | 12 |
| Payday loan, title loan, or personal loan | 5 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Checking or savings account | 1 |
Top States
| State | Complaints |
|---|---|
| WA | 82 |
| OR | 26 |
| ID | 10 |
| AZ | 10 |
| CA | 8 |
| TX | 4 |
| GA | 3 |
| HI | 3 |
| NV | 2 |
| TN | 2 |
| AA | 1 |
| MT | 1 |
| WY | 1 |
| PA | 1 |
| FL | 1 |
| IN | 1 |
| VA | 1 |
| KS | 1 |
| MS | 1 |
| UT | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Improper use of your report | 28 |
| Incorrect information on your report | 26 |
| Managing the loan or lease | 17 |
| Took or threatened to take negative or legal action | 13 |
| Struggling to pay your loan | 12 |
| Attempts to collect debt not owed | 9 |
| Getting a loan or lease | 6 |
| Problem with a credit reporting company's investigation into an existing problem | 6 |
| Communication tactics | 5 |
| False statements or representation | 5 |
| Written notification about debt | 4 |
| Repossession | 4 |
| Problems when you are unable to pay | 4 |
| Problem with additional add-on products or services | 3 |
| Problem with a company's investigation into an existing problem | 3 |
| Disclosure verification of debt | 3 |
| Threatened to contact someone or share information improperly | 2 |
| Problems at the end of the loan or lease | 2 |
| Cont'd attempts collect debt not owed | 2 |
| Taking out the loan or lease | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 4 | 100% |
| 2015 | 7 | 100% |
| 2016 | 6 | 100% |
| 2017 | 8 | 100% |
| 2018 | 11 | 100% |
| 2019 | 4 | 100% |
| 2020 | 8 | 100% |
| 2021 | 9 | 100% |
| 2022 | 15 | 100% |
| 2023 | 26 | 100% |
| 2024 | 15 | 100% |
| 2025 | 32 | 100% |
| 2026 | 16 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Reliable Credit Association, Inc.
Reliable Credit Association, Inc.'s 161 logged complaints stay concentrated: only 20 states show a filing on record. 51.6% 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 2014 through 2026-06-10.
Reliable Credit Association, Inc. answers 100% of complaints inside the CFPB's tracked window and closes 94.4% with a written explanation. 4.3% 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 "Improper use of your report."
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 Reliable Credit Association, Inc..
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 Reliable Credit Association, Inc. have?
161, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Reliable Credit Association, Inc. respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Reliable Credit Association, Inc.?
"Improper use of your report", 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.