Total CFPB complaints
36
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 36 complaints
RANDOLPH-BROOKS FEDERAL CREDIT UNION — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about RANDOLPH-BROOKS FEDERAL CREDIT UNION
- Attempts to collect debt not owed
Attempts to collect debt not owed
13 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
11 complaints
- False statements or representation
False statements or representation
8 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Communication tactics 1
Communication tactics
1 complaints
D
Grade D · 57.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about RANDOLPH-BROOKS FEDERAL CREDIT UNION?
RANDOLPH-BROOKS FEDERAL CREDIT UNION has accumulated 36 total CFPB complaints across 7 states, with 20 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 55.6% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 7 states, led by Texas with 29 and California with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.9/100 places RANDOLPH-BROOKS FEDERAL CREDIT UNION 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
20
55.6% of total history
Rising ↑
States active
7
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
57.9/100 composite
Response-quality profile
How RANDOLPH-BROOKS FEDERAL CREDIT UNION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does RANDOLPH-BROOKS FEDERAL CREDIT UNION compare to its peers?
RANDOLPH-BROOKS FEDERA… 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)
2021-03 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action11 (%)
Attempts to collect debt not owed13 (%)
False statements or representation8 (%)
Written notification about debt3 (%)
Communication tactics1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 9 |
| Attempts to collect debt not owed | Debt is not yours | 8 |
| False statements or representation | Attempted to collect wrong amount | 8 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against RANDOLPH-BROOKS FEDERAL CREDIT UNION come from?
The states where consumers have filed the most CFPB complaints against RANDOLPH-BROOKS FEDERAL CREDIT UNION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against RANDOLPH-BROOKS FEDERAL CREDIT UNION
Across 7 states with at least one filing
- Texas
Texas
29 complaints
- California 2
California
2 complaints
- Arizona 1
Arizona
1 complaints
- Kentucky 1
Kentucky
1 complaints
- Montana 1
Montana
1 complaints
- New York 1
New York
1 complaints
- Vermont 1
Vermont
1 complaints
Frequently Asked Questions
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 36 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 20 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: 57.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 7 states, with the most complaints from Texas (29 complaints).
What can I do if RANDOLPH-BROOKS FEDERAL CREDIT UNION 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 RANDOLPH-BROOKS FEDERAL CREDIT UNION 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 |