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

CFPB complaint data Grade F 55 complaints

Ratchford Law Group, P.C. - Debt Collector Complaint Profile

CFPB complaint profile across 8 states, reputation grade F.

Complaints by issue type

What consumers report about Ratchford Law Group, P.C.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 49.8/100 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: Ratchford Law Group, P.C. ranks ahead of 14% of the 5,283 collectors PlainCollector grades - 86% keep a cleaner CFPB record, on 55 all-time complaints and a 82% timely-response rate.

14th pct
reputation rank of 5,283 graded collectors
55
CFPB complaints, all-time
82%
answered inside the CFPB window
21
in the last 12 months (rising)

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 Ratchford Law Group, P.C.?

Ratchford Law Group, P.C. has accumulated 55 total CFPB complaints across 8 states, with 21 filed in the most recent 12 months against 34 historical complaints before that window. The trailing-12-month volume represents 38.2% 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 "Attempted to collect wrong amount". The company posts a 82% timely-response rate.

Complaints have been recorded across 8 states, led by Pennsylvania with 30 and Massachusetts with 10. Normalized against the full CFPB collector database, the reputation score of 49.8/100 places Ratchford Law Group, P.C. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

55

low-volume (CCDB)

Last 12 months

21

38.2% of all-time complaints

Rising ↑

States active

8

regional footprint

Timely response rate

82%

acceptable band

Reputation grade

F

49.8/100 composite

How does Ratchford Law Group, P.C.'s reputation rank nationally?

Reputation score vs. every graded collector

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

50 Bottom 14% higher than 14% 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

Ratchford Law Group, P.C. versus the debt-collection vertical average.

Timely response within SLA 81.6%
Vertical avg

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

State coverage breadth 14.3%

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

How does Ratchford Law Group, P.C. compare to its peers?

How does Ratchford Law Group, P.C. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Ratchford Law Group, P… National average
Complaints (last 12 mo)lower is better
21
16
268
Timely-response ratehigher is better
82%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-08 2025-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 18
False statements or representation - 13
Written notification about debt - 10
Took or threatened to take negative or legal action - 10
Threatened to contact someone or share information improperly - 2
Communication tactics - 1
Electronic communications - 1

Where do complaints against Ratchford Law Group, P.C. come from?

Ratchford Law Group, P.C.'s own per-state count, not a national baseline.

Top states by complaints against Ratchford Law Group, P.C.

Across 8 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Ratchford Law Group, P.C. contacts you

A grade of F signals how Ratchford Law Group, P.C.'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 Ratchford Law Group, P.C. 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 Ratchford Law Group, P.C. 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 Ratchford Law Group, P.C.? ▼

The most common issue consumers report about Ratchford Law Group, P.C. is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 55 complaints filed with the CFPB.

Are complaints against Ratchford Law Group, P.C. increasing or decreasing? ▼

Complaints against Ratchford Law Group, P.C. are rising. The company received 21 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Ratchford Law Group, P.C.'s reputation grade? ▼

Ratchford Law Group, P.C. has a reputation grade of F (score: 49.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Ratchford Law Group, P.C. respond to consumer complaints? ▼

Ratchford Law Group, P.C. has a 82% timely response rate to CFPB complaints.

In how many states does Ratchford Law Group, P.C. operate? ▼

Ratchford Law Group, P.C. has received CFPB complaints from consumers in 8 states, with the most complaints from Pennsylvania (30 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.