What is the most common complaint against RAM America, Inc?

The most common issue consumers report about RAM America, Inc is "False statements or representation", specifically "Told you not to respond to a lawsuit they filed against you". This is based on 4 complaints filed with the CFPB.

Are complaints against RAM America, Inc increasing or decreasing?

Complaints against RAM America, Inc are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is RAM America, Inc's reputation grade?

RAM America, Inc has a reputation grade of B (score: 68.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does RAM America, Inc respond to consumer complaints?

RAM America, Inc has a 100% timely response rate to CFPB complaints.

In how many states does RAM America, Inc operate?

RAM America, Inc has received CFPB complaints from consumers in 4 states, with the most complaints from California (1 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

RAM America, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 4 states, reputation grade B.

Compiled by PlainCollector

False statements or representation

3
Written notification about debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record ram-america-inc RAM America, Inc

Grade B · 4 CFPB filings · 100% timely · lead issue: False statements or representation · vol #3475 · compose #1467

VOL 4
GRADE B
12MO 0
STATES 4
TIMELY 100%
ISSUE False statements or repres…
RANK #3,475
COMPOSE #1,467

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

RAM America, Inc's 4 CFPB complaints sit next to 90 Day Credit Experts on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Spiky monthly series

California is the plurality state for RAM America, Inc (25.0%)

The 2025-10 spike coincides with a 2,008-place gap between volume rank #3,475 and composite #1,467. Corpus placement method.

Plurality state: California 25.0%; Mid-band (15–30%) · 4 states with ≥1 filing
Spike month: 2025-10 26.1%; 6 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,475 volume; #1,467 composite; Cleanest-composite ladder is 2,008 places better than volume

How does RAM America, Inc compare to its peers?

How does RAM America, Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

RAM America, Inc National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

100%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-03 2026-03

Issue Detail Breakdown

Issue	Complaints
False statements or representation	3
Written notification about debt	1

Where do complaints against RAM America, Inc come from?

RAM America, Inc's own per-state count, not a national baseline.

California

1
Missouri

1
New York

1
Texas

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for RAM America, Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 4.

4 peers

Know your rights before responding to RAM America, Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.