What is the most common complaint against RCO Legal, P.S.?

The most common issue consumers report about RCO Legal, P.S. is "Disclosure verification of debt", specifically "Not given enough info to verify debt". This is based on 7 complaints filed with the CFPB.

Are complaints against RCO Legal, P.S. increasing or decreasing?

Complaints against RCO Legal, P.S. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is RCO Legal, P.S.'s reputation grade?

RCO Legal, P.S. has a reputation grade of B (score: 71.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does RCO Legal, P.S. respond to consumer complaints?

RCO Legal, P.S. has a 86% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does RCO Legal, P.S. operate?

RCO Legal, P.S. has received CFPB complaints from consumers in 5 states, with the most complaints from Hawaii (3 complaints).

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

RCO Legal, P.S. - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade B.

Compiled by PlainCollector

Disclosure verification of debt

4
Communication tactics

1
Cont'd attempts collect debt not owed

1
Improper contact or sharing of info

1

Data updated September 2026

CFPB complaint disposition

CCDB record rco-legal-ps RCO Legal, P.S.

Grade B · 7 CFPB filings · 86% timely · lead issue: Disclosure verification of debt · vol #2871 · compose #1165

VOL 7
GRADE B
12MO 0
STATES 5
TIMELY 86%
DISPUTE 0%
ISSUE Disclosure verification of…
RANK #2,871
COMPOSE #1,165

Volume peers

Nearest volume peer: Account Services Inc. (7 complaints)

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

RCO Legal, P.S.'s 7 CFPB complaints sit next to Account Services 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

42.9% of RCO Legal, P.S.'s CFPB filings land in Hawaii

High volume does not equal a clean composite: RCO Legal, P.S. is volume #2,871 but composite #1,165, while Hawaii dominates the geography. Corpus placement method.

Dominant state: Hawaii 42.9%; 3 of 7 filings · 5 states touched
Spike month: 2019-11 25.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,871 volume; #1,165 composite; Cleanest-composite ladder is 1,706 places better than volume

How does RCO Legal, P.S. compare to its peers?

How does RCO Legal, P.S. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

RCO Legal, P.S. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

86%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-11 2024-02

Issue Detail Breakdown

Issue	Complaints
Disclosure verification of debt	4
Communication tactics	1
Cont'd attempts collect debt not owed	1
Improper contact or sharing of info	1

Where do complaints against RCO Legal, P.S. come from?

RCO Legal, P.S.'s own per-state count, not a national baseline.

Hawaii

3
Alabama

1
Idaho

1
Oregon

1
Washington

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for RCO Legal, P.S.: 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: 7.

4 peers

Know your rights before responding to RCO Legal, P.S.: 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.