Total CFPB complaints
27
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 27 complaints
Reliance Exchange Group — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Reliance Exchange Group
- Communication tactics
Communication tactics
7 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
6 complaints
- False statements or representation
False statements or representation
4 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
3 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
D
Grade D · 56.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Reliance Exchange Group?
Reliance Exchange Group has accumulated 27 total CFPB complaints across 14 states, with 0 filed in the most recent 12 months against 27 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 67% timely-response rate against a 15% 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 14 states, led by Texas with 10 and Ohio with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.5/100 places Reliance Exchange Group in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
14
Distinct state filings
Timely response rate
67%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
D
56.5/100 composite
Response-quality profile
How Reliance Exchange Group performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 66.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 29.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Reliance Exchange Group compare to its peers?
Reliance Exchange Grou… 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)
2013-10 2015-07
Top Consumer Issues
Taking/threatening an illegal action6 (%)
False statements or representation4 (%)
Communication tactics7 (%)
Cont'd attempts collect debt not owed3 (%)
Improper contact or sharing of info3 (%)
Disclosure verification of debt2 (%)
Most common issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 5 |
| False statements or representation | Indicated committed crime not paying | 3 |
| Communication tactics | Threatened to take legal action | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Improper contact or sharing of info | Contacted employer after asked not to | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
Where do complaints against Reliance Exchange Group come from?
The states where consumers have filed the most CFPB complaints against Reliance Exchange Group. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Reliance Exchange Group
Across 14 states with at least one filing
- Texas
Texas
10 complaints
- Ohio 3
Ohio
3 complaints
- Nevada 2
Nevada
2 complaints
- California 2
California
2 complaints
- New Jersey 1
New Jersey
1 complaints
- Tennessee 1
Tennessee
1 complaints
- Oregon 1
Oregon
1 complaints
- Mississippi 1
Mississippi
1 complaints
Frequently Asked Questions
What is the most common complaint against Reliance Exchange Group? ▼
The most common issue consumers report about Reliance Exchange Group is "Taking/threatening an illegal action", specifically "Threatened arrest/jail if do not pay". This is based on 27 complaints filed with the CFPB.
Are complaints against Reliance Exchange Group increasing or decreasing? ▼
Complaints against Reliance Exchange Group have been stable. The company received 0 complaints in the last 12 months.
What is Reliance Exchange Group's reputation grade? ▼
Reliance Exchange Group has a reputation grade of D (score: 56.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Reliance Exchange Group respond to consumer complaints? ▼
Reliance Exchange Group has a 67% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.
In how many states does Reliance Exchange Group operate? ▼
Reliance Exchange Group has received CFPB complaints from consumers in 14 states, with the most complaints from Texas (10 complaints).
What can I do if Reliance Exchange Group 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 Reliance Exchange Group 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 |