Total CFPB complaints
40
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 40 complaints
Reliable Credit Association, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 10 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Reliable Credit Association, Inc.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
10 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- False statements or representation
False statements or representation
5 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
B
Grade B · 69.7/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Reliable Credit Association, Inc.?
Reliable Credit Association, Inc. has accumulated 40 total CFPB complaints across 10 states, with 12 filed in the most recent 12 months against 28 historical complaints before that window. The trailing-12-month volume represents 30.0% 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 "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 10 states, led by Washington with 23 and Oregon with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 69.7/100 places Reliable Credit Association, Inc. in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
12
30.0% of total history
Rising ↑
States active
10
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
B
69.7/100 composite
Response-quality profile
How Reliable Credit Association, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 17.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Reliable Credit Association, Inc. compare to its peers?
Reliable Credit Associ… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2019-11 2026-03
Top Consumer Issues
False statements or representation5 (%)
Took or threatened to take negative or legal action10 (%)
Attempts to collect debt not owed6 (%)
Communication tactics3 (%)
Disclosure verification of debt3 (%)
Written notification about debt2 (%)
Threatened to contact someone or share information improperly2 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 5 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Communication tactics | Frequent or repeated calls | 3 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 2 |
Where do complaints against Reliable Credit Association, Inc. come from?
The states where consumers have filed the most CFPB complaints against Reliable Credit Association, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Reliable Credit Association, Inc.
Across 10 states with at least one filing
- Washington
Washington
23 complaints
- Oregon 7
Oregon
7 complaints
- Texas 2
Texas
2 complaints
- California 1
California
1 complaints
- Nevada 1
Nevada
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- Mississippi 1
Mississippi
1 complaints
- Idaho 1
Idaho
1 complaints
Frequently Asked Questions
What is the most common complaint against Reliable Credit Association, Inc.? ▼
The most common issue consumers report about Reliable Credit Association, Inc. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 40 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 12 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: 69.7/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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 (23 complaints).
What can I do if Reliable Credit Association, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Reliable Credit Association, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |