What is the most common complaint against Reliable Credit Association, Inc.?

The most common issue consumers report about Reliable Credit Association, Inc. is "Took or threatened to take negative or legal action", specifically "Attempted to collect wrong amount". This is based on 44 complaints filed with the CFPB.

Are complaints against Reliable Credit Association, Inc. increasing or decreasing?

Complaints against Reliable Credit Association, Inc. are rising. The company received 15 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Reliable Credit Association, Inc.'s reputation grade?

Reliable Credit Association, Inc. has a reputation grade of B (score: 66.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Reliable Credit Association, Inc. respond to consumer complaints?

Reliable Credit Association, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Reliable Credit Association, Inc. operate?

Reliable Credit Association, Inc. has received CFPB complaints from consumers in 10 states, with the most complaints from Washington (26 complaints).

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

Reliable Credit Association, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade B.

Compiled by PlainCollector

Took or threatened to take negative or legal action

14
Attempts to collect debt not owed

9
False statements or representation

5
Communication tactics

5
Written notification about debt

4
Disclosure verification of debt

3

Data updated September 2026

CFPB complaint disposition

CCDB record reliable-credit-association-inc Reliable Credit Association, Inc.

Grade B · 44 CFPB filings · 100% timely · lead issue: Took or threatened to take negative or legal action · vol #1289 · compose #1608

VOL 44
GRADE B
12MO 15
STATES 10
TIMELY 100%
DISPUTE 0%
ISSUE Took or threatened to take…
RANK #1,289
COMPOSE #1,608

Volume peers

Nearest volume peer: ADP Inc. (44 complaints)

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

Reliable Credit Association, Inc.'s 44 CFPB complaints sit next to ADP 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

59.1% of Reliable Credit Association, Inc.'s CFPB filings land in Washington

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Washington 59.1%; 26 of 44 filings · 10 states touched
Seasonal peak: 2023-01 8.3%; 8–15% band · 3 filings
Corpus ranks: #1,289 volume; #1,608 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Reliable Credit Association, Inc. compare to its peers?

How does Reliable Credit Association, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Reliable Credit Associ… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

72%

91%

Consumer-dispute ratelower is better

12%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-12 2026-03

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	14
Attempts to collect debt not owed	9
False statements or representation	5
Communication tactics	5
Written notification about debt	4
Disclosure verification of debt	3
Cont'd attempts collect debt not owed	2
Threatened to contact someone or share information improperly	2

Where do complaints against Reliable Credit Association, Inc. come from?

Reliable Credit Association, Inc.'s own per-state count, not a national baseline.

Washington

26
Oregon

7
Idaho

2
Texas

2
California

1
Florida

1
Mississippi

1
Montana

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Reliable Credit Association, Inc.: 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: 44.

4 peers

Know your rights before responding to Reliable Credit Association, Inc.: 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.