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

CFPB complaint data Grade F 176 complaints

RAS LaVrar, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade F.

Complaints by issue type

What consumers report about RAS LaVrar, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 49.2/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: RAS LaVrar, LLC ranks ahead of 13% of the 5,283 collectors PlainCollector grades - 87% keep a cleaner CFPB record, on 176 all-time complaints and a 92% timely-response rate.

13th pct
reputation rank of 5,283 graded collectors
176
CFPB complaints, all-time
92%
answered inside the CFPB window
27
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about RAS LaVrar, LLC?

RAS LaVrar, LLC has accumulated 176 total CFPB complaints across 9 states, with 27 filed in the most recent 12 months against 149 historical complaints before that window. The trailing-12-month volume represents 15.3% 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". The company posts a 92% timely-response rate.

Complaints have been recorded across 9 states, led by Florida with 92 and Georgia with 39. Normalized against the full CFPB collector database, the reputation score of 49.2/100 places RAS LaVrar, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

176

mid-volume (CCDB)

Last 12 months

27

15.3% of all-time complaints

Falling ↓

States active

9

regional footprint

Timely response rate

92%

good band

Reputation grade

F

49.2/100 composite

How does RAS LaVrar, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 13% higher than 13% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

RAS LaVrar, LLC versus the debt-collection vertical average.

Timely response within SLA 92.4%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 16.1%

Share of US states + territories with at least one filed complaint against this collector.

How does RAS LaVrar, LLC compare to its peers?

How does RAS LaVrar, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
RAS LaVrar, LLC National average
Complaints (last 12 mo)lower is better
27
0
268
Timely-response ratehigher is better
92%
97%
91%
Consumer-dispute ratelower is better
0%
13%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 67
Written notification about debt - 41
Took or threatened to take negative or legal action - 39
False statements or representation - 19
Communication tactics - 6
Threatened to contact someone or share information improperly - 4

Where do complaints against RAS LaVrar, LLC come from?

RAS LaVrar, LLC's own per-state count, not a national baseline.

Top states by complaints against RAS LaVrar, LLC

Across 9 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if RAS LaVrar, LLC contacts you

A grade of F signals how RAS LaVrar, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really RAS LaVrar, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how RAS LaVrar, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against RAS LaVrar, LLC? ▼

The most common issue consumers report about RAS LaVrar, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 176 complaints filed with the CFPB.

Are complaints against RAS LaVrar, LLC increasing or decreasing? ▼

Complaints against RAS LaVrar, LLC are falling. The company received 27 complaints in the last 12 months, showing improvement over prior periods.

What is RAS LaVrar, LLC's reputation grade? ▼

RAS LaVrar, LLC has a reputation grade of F (score: 49.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does RAS LaVrar, LLC respond to consumer complaints? ▼

RAS LaVrar, LLC has a 92% timely response rate to CFPB complaints.

In how many states does RAS LaVrar, LLC operate? ▼

RAS LaVrar, LLC has received CFPB complaints from consumers in 9 states, with the most complaints from Florida (92 complaints).

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

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.