CFPB · Diversified product mix
Reliable Credit Association, Inc.
161 CFPB complaints · diversified mix (top product 26.7%) · top issue Improper use of your report.
Reliable Credit Association, Inc.: top product "Debt collection" is only 26.7% of 161 - multi-bucket mix. Timely 100% · relief 4.3%. Allegations, not findings.
- Diversified product mix
- +300% filings 2014 to 2026
CFPB relief outcome brief
CCDB company reliable-credit-association-inc
4.3% relief · 100% timely · 161 filings · Debt collection
Same-product relief peers
Nearest relief peer: Westcreek Financial (4.3% relief)
Reliable Credit Association, Inc. closes 4.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Reliable Credit Association, Inc.'s 161 filings include narrative text
51.6% 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.
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 |
Concentrated filing states for Reliable Credit Association, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- WA
- 50.9% of this company's filings
Reliable Credit Association, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 16
- +300% vs 2014
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
Reliable Credit Association, Inc. spreads across product buckets
Reliable Credit Association, Inc.'s 161 logged complaints stay concentrated: only 20 states show a filing. 51.6% of filings carry a written consumer narrative, 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..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Reliable Credit Association, 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: 161.
- Atlas Credit Company, Inc. Δ 0 complaints · 0% relief 161complaints
- Auto Now Financial Services, Inc., Phoenix, AZ Branch Δ 0 complaints · 1.2% relief 161complaints
- Automobile Acceptance Corporation Δ 0 complaints · 6.2% relief 161complaints
- Dollar Mutual Bancorp Δ 1 complaints · 13.6% relief 162complaints
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 Reliable Credit Association, Inc. (100% timely; 4.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix