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

Data updated July 2026

B

Grade B · 69.7/100 composite

This collector has a good complaint record with relatively few complaints and responsive customer service.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of B: Reliable Credit Association, Inc. ranks ahead of 68% of the 5,283 collectors PlainCollector grades - 32% keep a cleaner CFPB record, on 44 all-time complaints and a 100% timely-response rate.

68th pct
reputation rank of 5,283 graded collectors
44
CFPB complaints, all-time
100%
answered inside the CFPB window
15
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 Reliable Credit Association, Inc.?

Reliable Credit Association, Inc. has accumulated 44 total CFPB complaints across 10 states, with 15 filed in the most recent 12 months against 29 historical complaints before that window. The trailing-12-month volume represents 34.1% 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 "Took or threatened to take negative or legal action", narrowing to "Attempted to collect wrong amount". The company posts a 100% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 10 states, led by Washington with 26 and Oregon with 7. Normalized against the full CFPB collector database, the reputation score of 69.7/100 places Reliable Credit Association, Inc. in grade band B.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

44

low-volume (CCDB)

Last 12 months

15

34.1% of all-time complaints

Rising ↑

States active

10

regional footprint

Timely response rate

100%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

B

69.7/100 composite

How does Reliable Credit Association, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

70 68th percentile higher than 68% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

Reliable Credit Association, Inc. versus the debt-collection vertical average.

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?

How does Reliable Credit Association, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Reliable Credit Associ… 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.

Complaint Trend (24 months)

2022-12 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Reliable Credit Association, Inc. contacts you

A grade of B signals how Reliable Credit Association, Inc.'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 Reliable Credit Association, Inc. 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 Reliable Credit Association, Inc. 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 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: 69.7/100), 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).

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.