Total CFPB complaints
62
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 62 complaints
RAB, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 24 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about RAB, INC.
- Communication tactics
Communication tactics
11 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
7 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
7 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Cont'd attempts collect debt not owed 3
Cont'd attempts collect debt not owed
3 complaints
D
Grade D · 56.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about RAB, INC.?
RAB, INC. has accumulated 62 total CFPB complaints across 24 states, with 5 filed in the most recent 12 months against 57 historical complaints before that window. The trailing-12-month volume represents 8.1% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 92% timely-response rate against a 33% 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 24 states, led by Texas with 17 and California with 8, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.6/100 places RAB, INC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
5
8.1% of total history
Falling ↓
States active
24
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
33%
After company response
Reputation grade
D
56.6/100 composite
Response-quality profile
How RAB, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 66.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 42.9%
Share of US states + territories with at least one filed complaint against this collector.
How does RAB, INC. compare to its peers?
RAB, 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)
2021-09 2026-02
Top Consumer Issues
Attempts to collect debt not owed6 (%)
Communication tactics11 (%)
Threatened to contact someone or share information improperly7 (%)
Took or threatened to take negative or legal action7 (%)
False statements or representation3 (%)
Cont'd attempts collect debt not owed3 (%)
Improper contact or sharing of info3 (%)
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 | 6 |
| Communication tactics | Frequent or repeated calls | 6 |
| Communication tactics | Used obscene, profane, or other abusive language | 5 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 4 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 4 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 3 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 3 |
| Improper contact or sharing of info | Talked to a third party about my debt | 3 |
Where do complaints against RAB, INC. come from?
The states where consumers have filed the most CFPB complaints against RAB, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against RAB, INC.
Across 24 states with at least one filing
- Texas
Texas
17 complaints
- California
California
8 complaints
- Florida 5
Florida
5 complaints
- Maryland 3
Maryland
3 complaints
- Virginia 2
Virginia
2 complaints
- Pennsylvania 2
Pennsylvania
2 complaints
- Mississippi 2
Mississippi
2 complaints
- Nevada 2
Nevada
2 complaints
Frequently Asked Questions
What is the most common complaint against RAB, INC.? ▼
The most common issue consumers report about RAB, INC. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 62 complaints filed with the CFPB.
Are complaints against RAB, INC. increasing or decreasing? ▼
Complaints against RAB, INC. are falling. The company received 5 complaints in the last 12 months, showing improvement over prior periods.
What is RAB, INC.'s reputation grade? ▼
RAB, INC. has a reputation grade of D (score: 56.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does RAB, INC. respond to consumer complaints? ▼
RAB, INC. has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 33% of cases.
In how many states does RAB, INC. operate? ▼
RAB, INC. has received CFPB complaints from consumers in 24 states, with the most complaints from Texas (17 complaints).
What can I do if RAB, 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 RAB, 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 |