Total CFPB complaints
36
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 36 complaints
Residential Credit Solutions, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Residential Credit Solutions, Inc.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
13 complaints
- Communication tactics
Communication tactics
8 complaints
- Disclosure verification of debt
Disclosure verification of debt
7 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
D
Grade D · 56.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Residential Credit Solutions, Inc.?
Residential Credit Solutions, Inc. has accumulated 36 total CFPB complaints across 15 states, with 0 filed in the most recent 12 months against 36 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 "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 81% timely-response rate against a 26% 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 15 states, led by California with 8 and Georgia with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.9/100 places Residential Credit Solutions, Inc. 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
15
Distinct state filings
Timely response rate
81%
Within CFPB SLA window
Consumer disputes
26%
After company response
Reputation grade
D
56.9/100 composite
Response-quality profile
How Residential Credit Solutions, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 80.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 52.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Residential Credit Solutions, Inc. compare to its peers?
Residential Credit Sol… 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)
2013-07 2017-05
Top Consumer Issues
Communication tactics8 (%)
Cont'd attempts collect debt not owed13 (%)
Disclosure verification of debt7 (%)
False statements or representation3 (%)
Took or threatened to take negative or legal action1 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 6 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 3 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 1 |
Where do complaints against Residential Credit Solutions, Inc. come from?
The states where consumers have filed the most CFPB complaints against Residential Credit Solutions, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Residential Credit Solutions, Inc.
Across 15 states with at least one filing
- California
California
8 complaints
- Georgia
Georgia
5 complaints
- Illinois 3
Illinois
3 complaints
- Virginia 3
Virginia
3 complaints
- Massachusetts 2
Massachusetts
2 complaints
- Nevada 2
Nevada
2 complaints
- North Carolina 2
North Carolina
2 complaints
- Florida 2
Florida
2 complaints
Frequently Asked Questions
What is the most common complaint against Residential Credit Solutions, Inc.? ▼
The most common issue consumers report about Residential Credit Solutions, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 36 complaints filed with the CFPB.
Are complaints against Residential Credit Solutions, Inc. increasing or decreasing? ▼
Complaints against Residential Credit Solutions, Inc. have been stable. The company received 0 complaints in the last 12 months.
What is Residential Credit Solutions, Inc.'s reputation grade? ▼
Residential Credit Solutions, Inc. has a reputation grade of D (score: 56.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Residential Credit Solutions, Inc. respond to consumer complaints? ▼
Residential Credit Solutions, Inc. has a 81% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.
In how many states does Residential Credit Solutions, Inc. operate? ▼
Residential Credit Solutions, Inc. has received CFPB complaints from consumers in 15 states, with the most complaints from California (8 complaints).
What can I do if Residential Credit Solutions, 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 Residential Credit Solutions, 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 |