Total CFPB complaints
66
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 66 complaints
Ragan & Ragan, PC — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Ragan & Ragan, PC
- Attempts to collect debt not owed
Attempts to collect debt not owed
17 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
12 complaints
- False statements or representation
False statements or representation
7 complaints
- Communication tactics 6
Communication tactics
6 complaints
- Cont'd attempts collect debt not owed 3
Cont'd attempts collect debt not owed
3 complaints
D
Grade D · 52.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Ragan & Ragan, PC?
Ragan & Ragan, PC has accumulated 66 total CFPB complaints across 8 states, with 10 filed in the most recent 12 months against 56 historical complaints before that window. The trailing-12-month volume represents 15.2% 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 was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate against a 46% 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 8 states, led by Georgia with 34 and New Jersey with 24, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.8/100 places Ragan & Ragan, PC 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
10
15.2% of total history
Rising ↑
States active
8
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Consumer disputes
46%
After company response
Reputation grade
D
52.8/100 composite
Response-quality profile
How Ragan & Ragan, PC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 90.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 92.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Ragan & Ragan, PC compare to its peers?
Ragan & Ragan, PC 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)
2020-10 2025-11
Top Consumer Issues
Attempts to collect debt not owed17 (%)
Took or threatened to take negative or legal action12 (%)
False statements or representation7 (%)
Communication tactics6 (%)
Cont'd attempts collect debt not owed3 (%)
Most common issue: Attempts to collect debt not owed — Debt was paid
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 was paid | 8 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 8 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 4 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Communication tactics | Used obscene, profane, or other abusive language | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 3 |
Where do complaints against Ragan & Ragan, PC come from?
The states where consumers have filed the most CFPB complaints against Ragan & Ragan, PC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Ragan & Ragan, PC
Across 8 states with at least one filing
- Georgia
Georgia
34 complaints
- New Jersey
New Jersey
24 complaints
- New York 2
New York
2 complaints
- Delaware 2
Delaware
2 complaints
- Vermont 1
Vermont
1 complaints
- Florida 1
Florida
1 complaints
- South Carolina 1
South Carolina
1 complaints
- California 1
California
1 complaints
Frequently Asked Questions
What is the most common complaint against Ragan & Ragan, PC? ▼
The most common issue consumers report about Ragan & Ragan, PC is "Attempts to collect debt not owed", specifically "Debt was paid". This is based on 66 complaints filed with the CFPB.
Are complaints against Ragan & Ragan, PC increasing or decreasing? ▼
Complaints against Ragan & Ragan, PC are rising. The company received 10 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Ragan & Ragan, PC's reputation grade? ▼
Ragan & Ragan, PC has a reputation grade of D (score: 52.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Ragan & Ragan, PC respond to consumer complaints? ▼
Ragan & Ragan, PC has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 46% of cases.
In how many states does Ragan & Ragan, PC operate? ▼
Ragan & Ragan, PC has received CFPB complaints from consumers in 8 states, with the most complaints from Georgia (34 complaints).
What can I do if Ragan & Ragan, PC 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 Ragan & Ragan, PC 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 |