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

CFPB complaint data Grade B 44 complaints

Reliable Credit Association, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade B.

Complaints by issue type

What consumers report about Reliable Credit Association, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 44
  • GRADE B
  • 12MO 15
  • STATES 10
  • TIMELY 100%
  • DISPUTE 0%
  • ISSUE Took or threatened to take…
  • RANK #1,289
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: ADP Inc. (44 complaints)

ADP Inc.ADP Inc.44All Debt Solutions Inc. dba: 1st Class AgencyAll Debt Solutions Inc. dba:…44BAM Financial, LLCBAM Financial, LLC44Capital Collection Management LLCCapital Collection Managemen…44Reliable Credit Association, Inc. (this)Reliable Credit Association,…44
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 →

How the 44 complaints break down

Every complaint issue type on record for Reliable Credit Association, Inc., not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
66.8/100
Reliable Credit Association, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
44
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

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
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 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 Association, Inc. National average
Complaints (last 12 mo)lower is better
15
0
268
Timely-response ratehigher is better
100%
72%
91%
Consumer-dispute ratelower is better
0%
12%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Reliable Credit Association, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 70%80%90%100%110% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Reliable Credit Association, Inc. vs. 7 similar-volume peers, by response speed and dispute rate Reliable Credit Association, Inc.Nationwide Financial GroupSnow and Sauerteig LLPFirst Investors Servicing Corporation, Atlanta, GA BranchFalls Collection Service Inc.Couch Conville & Blitt LLCCollection Resources, Inc.CFM Group LLC
Source: CFPB Consumer Complaint Database

Reliable Credit Association, Inc.'s complaint volume in context

Reliable Credit Association, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

44 Top 24% higher than 76% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). This entry sits in this band. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Reliable Credit Association, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Reliable Credit Association, Inc.

Across 10 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.