What is the most common complaint against Residential Credit Opportunities Trust?

The most common issue consumers report about Residential Credit Opportunities Trust is "Written notification about debt", specifically "Didn't receive notice of right to dispute". This is based on 1 complaints filed with the CFPB.

Are complaints against Residential Credit Opportunities Trust increasing or decreasing?

Complaints against Residential Credit Opportunities Trust are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Residential Credit Opportunities Trust's reputation grade?

Residential Credit Opportunities Trust has a reputation grade of F (score: 45.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Residential Credit Opportunities Trust respond to consumer complaints?

Residential Credit Opportunities Trust has a 0% timely response rate to CFPB complaints.

In how many states does Residential Credit Opportunities Trust operate?

Residential Credit Opportunities Trust has received CFPB complaints from consumers in 1 states, with the most complaints from Georgia (1 complaints).

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

Residential Credit Opportunities Trust - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade F.

Compiled by PlainCollector

Written notification about debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record residential-credit-opportunities-trust Residential Credit Opportunities Trust

Grade F · 1 CFPB filings · 0% timely · lead issue: Written notification about debt · vol #5182 · compose #4711

VOL 1
GRADE F
12MO 0
STATES 1
TIMELY 0%
ISSUE Written notification about…
RANK #5,182
COMPOSE #4,711

Volume peers

Nearest volume peer: 245 Holdings LLC (1 complaints)

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

Residential Credit Opportunities Trust's 1 CFPB complaints sit next to 245 Holdings LLC 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

100.0% of Residential Credit Opportunities Trust's CFPB filings land in Georgia

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

Dominant state: Georgia 100.0%; 1 of 1 filings · 1 states touched
Spike month: 2026-03 100.0%; 1 filings that month · spiky (≥15% of series)
Corpus ranks: #5,182 volume; #4,711 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does Residential Credit Opportunities Trust compare to its peers?

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

Residential Credit Opp… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2026-03 2026-03

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	1

Where do complaints against Residential Credit Opportunities Trust come from?

Residential Credit Opportunities Trust's own per-state count, not a national baseline.

Georgia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Residential Credit Opportunities Trust: 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: 1.

4 peers

Know your rights before responding to Residential Credit Opportunities Trust: 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.