Total CFPB complaints
704
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 704 complaints
Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch — Debt Collector Complaint Profile
CFPB complaint profile across 44 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
249 complaints
- Attempts to collect debt not owed 98
Attempts to collect debt not owed
98 complaints
- Disclosure verification of debt 85
Disclosure verification of debt
85 complaints
- Communication tactics 76
Communication tactics
76 complaints
- Written notification about debt 56
Written notification about debt
56 complaints
- False statements or representation 37
False statements or representation
37 complaints
D
Grade D · 55.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch?
Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch has accumulated 704 total CFPB complaints across 44 states, with 0 filed in the most recent 12 months against 704 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate against a 13% 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 44 states, led by Texas with 73 and Florida with 66, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.2/100 places Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch 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
Falling ↓
States active
44
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
D
55.2/100 composite
Response-quality profile
How Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 25.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 78.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch compare to its peers?
Retrieval-Masters Cred… 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)
2018-08 2025-01
Top Consumer Issues
Cont'd attempts collect debt not owed249 (%)
Communication tactics76 (%)
Attempts to collect debt not owed98 (%)
Disclosure verification of debt85 (%)
Written notification about debt56 (%)
False statements or representation37 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 174 |
| Communication tactics | Frequent or repeated calls | 76 |
| Cont'd attempts collect debt not owed | Debt was paid | 75 |
| Attempts to collect debt not owed | Debt is not yours | 59 |
| Disclosure verification of debt | Not given enough info to verify debt | 58 |
| Attempts to collect debt not owed | Debt was paid | 39 |
| Written notification about debt | Didn't receive enough information to verify debt | 38 |
| False statements or representation | Attempted to collect wrong amount | 37 |
| Disclosure verification of debt | Right to dispute notice not received | 27 |
| Written notification about debt | Didn't receive notice of right to dispute | 18 |
Where do complaints against Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch come from?
The states where consumers have filed the most CFPB complaints against Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
Across 44 states with at least one filing
- Texas
Texas
73 complaints
- Florida
Florida
66 complaints
- New York
New York
66 complaints
- California
California
57 complaints
- New Jersey
New Jersey
47 complaints
- Georgia
Georgia
36 complaints
- Virginia
Virginia
34 complaints
- Maryland 26
Maryland
26 complaints
Frequently Asked Questions
What is the most common complaint against Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch? ▼
The most common issue consumers report about Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 704 complaints filed with the CFPB.
Are complaints against Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch increasing or decreasing? ▼
Complaints against Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch's reputation grade? ▼
Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch has a reputation grade of D (score: 55.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch respond to consumer complaints? ▼
Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.
In how many states does Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch operate? ▼
Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch has received CFPB complaints from consumers in 44 states, with the most complaints from Texas (73 complaints).
What can I do if Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch 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 Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch 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 |