What is the most common complaint against Randolph-Brooks Federal Credit Union?

The most common issue consumers report about Randolph-Brooks Federal Credit Union is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 46 complaints filed with the CFPB.

Are complaints against Randolph-Brooks Federal Credit Union increasing or decreasing?

Complaints against Randolph-Brooks Federal Credit Union are rising. The company received 27 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Randolph-Brooks Federal Credit Union's reputation grade?

Randolph-Brooks Federal Credit Union has a reputation grade of D (score: 53.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Randolph-Brooks Federal Credit Union respond to consumer complaints?

Randolph-Brooks Federal Credit Union has a 100% timely response rate to CFPB complaints.

In how many states does Randolph-Brooks Federal Credit Union operate?

Randolph-Brooks Federal Credit Union has received CFPB complaints from consumers in 8 states, with the most complaints from Texas (38 complaints).

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

Randolph-Brooks Federal Credit Union - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade D.

Compiled by PlainCollector

Took or threatened to take negative or legal action

18
Attempts to collect debt not owed

13
False statements or representation

8
Communication tactics

4
Written notification about debt

3

Data updated September 2026

CFPB complaint disposition

CCDB record randolph-brooks-federal-credit-union Randolph-Brooks Federal Credit Union

Grade D · 46 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #1254 · compose #3570

VOL 46
GRADE D
12MO 27
STATES 8
TIMELY 100%
ISSUE Took or threatened to take…
RANK #1,254
COMPOSE #3,570

Volume peers

Nearest volume peer: Armstrong and Associates, Inc (46 complaints)

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

Randolph-Brooks Federal Credit Union's 46 CFPB complaints sit next to Armstrong and Associates, Inc 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 →

State-heavy filing map

82.6% of Randolph-Brooks Federal Credit Union's CFPB filings land in Texas

High volume does not equal a clean composite: Randolph-Brooks Federal Credit Union is volume #1,254 but composite #3,570, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 82.6%; 38 of 46 filings · 8 states touched
Seasonal peak: 2025-02 9.7%; 8–15% band · 3 filings
Divergent corpus ranks: #1,254 volume; #3,570 composite; Cleanest-composite ladder is 2,316 places worse than volume

How does Randolph-Brooks Federal Credit Union compare to its peers?

How does RANDOLPH-BROOKS FEDERAL CREDIT UNION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

RANDOLPH-BROOKS FEDERA… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-08 2025-12

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	18
Attempts to collect debt not owed	13
False statements or representation	8
Communication tactics	4
Written notification about debt	3

Where do complaints against Randolph-Brooks Federal Credit Union come from?

Randolph-Brooks Federal Credit Union's own per-state count, not a national baseline.

Texas

38
California

2
Arizona

1
Kentucky

1
Montana

1
New York

1
Vermont

1
Washington

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Randolph-Brooks Federal Credit Union: 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: 46.

4 peers

Know your rights before responding to Randolph-Brooks Federal Credit Union: 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.