Total CFPB complaints
86
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 86 complaints
Benuck & Rainey, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 27 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Benuck & Rainey, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
24 complaints
- Written notification about debt
Written notification about debt
15 complaints
- Communication tactics
Communication tactics
11 complaints
- False statements or representation 7
False statements or representation
7 complaints
- Cont'd attempts collect debt not owed 7
Cont'd attempts collect debt not owed
7 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
F
Grade F · 48.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Benuck & Rainey, Inc.?
Benuck & Rainey, Inc. has accumulated 86 total CFPB complaints across 27 states, with 13 filed in the most recent 12 months against 73 historical complaints before that window. The trailing-12-month volume represents 15.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 84% timely-response rate against a 50% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 27 states, led by New Hampshire with 14 and Massachusetts with 11, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.2/100 places Benuck & Rainey, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
13
15.1% of total history
Rising ↑
States active
27
Distinct state filings
Timely response rate
84%
Within CFPB SLA window
Consumer disputes
50%
After company response
Reputation grade
F
48.2/100 composite
Response-quality profile
How Benuck & Rainey, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 83.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 48.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Benuck & Rainey, Inc. compare to its peers?
Benuck & Rainey, Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2022-05 2026-02
Top Consumer Issues
Attempts to collect debt not owed24 (%)
Written notification about debt15 (%)
Communication tactics11 (%)
False statements or representation7 (%)
Cont'd attempts collect debt not owed7 (%)
Disclosure verification of debt2 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 19 |
| Written notification about debt | Didn't receive enough information to verify debt | 12 |
| Communication tactics | Frequent or repeated calls | 7 |
| False statements or representation | Attempted to collect wrong amount | 7 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
Where do complaints against Benuck & Rainey, Inc. come from?
The states where consumers have filed the most CFPB complaints against Benuck & Rainey, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Benuck & Rainey, Inc.
Across 27 states with at least one filing
- New Hampshire
New Hampshire
14 complaints
- Massachusetts
Massachusetts
11 complaints
- California
California
7 complaints
- Texas
Texas
7 complaints
- Florida 5
Florida
5 complaints
- Maine 4
Maine
4 complaints
- Virginia 4
Virginia
4 complaints
- New York 3
New York
3 complaints
Frequently Asked Questions
What is the most common complaint against Benuck & Rainey, Inc.? ▼
The most common issue consumers report about Benuck & Rainey, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 86 complaints filed with the CFPB.
Are complaints against Benuck & Rainey, Inc. increasing or decreasing? ▼
Complaints against Benuck & Rainey, Inc. are rising. The company received 13 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Benuck & Rainey, Inc.'s reputation grade? ▼
Benuck & Rainey, Inc. has a reputation grade of F (score: 48.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Benuck & Rainey, Inc. respond to consumer complaints? ▼
Benuck & Rainey, Inc. has a 84% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.
In how many states does Benuck & Rainey, Inc. operate? ▼
Benuck & Rainey, Inc. has received CFPB complaints from consumers in 27 states, with the most complaints from New Hampshire (14 complaints).
What can I do if Benuck & Rainey, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Benuck & Rainey, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |