What is the most common complaint against RGS Financial, Inc.?

The most common issue consumers report about RGS Financial, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 239 complaints filed with the CFPB.

Are complaints against RGS Financial, Inc. increasing or decreasing?

Complaints against RGS Financial, Inc. are falling. The company received 14 complaints in the last 12 months, showing improvement over prior periods.

What is RGS Financial, Inc.'s reputation grade?

RGS Financial, Inc. has a reputation grade of D (score: 55.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does RGS Financial, Inc. respond to consumer complaints?

RGS Financial, Inc. has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does RGS Financial, Inc. operate?

RGS Financial, Inc. has received CFPB complaints from consumers in 39 states, with the most complaints from Texas (38 complaints).

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

RGS Financial, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

76
Communication tactics

39
Written notification about debt

37
Cont'd attempts collect debt not owed

32
False statements or representation

23
Disclosure verification of debt

18

Data updated September 2026

CFPB complaint disposition

CCDB record rgs-financial-inc RGS Financial, Inc.

Grade D · 239 CFPB filings · 96% timely · lead issue: Attempts to collect debt not owed · vol #466 · compose #3248

VOL 239
GRADE D
12MO 14
STATES 39
TIMELY 96%
DISPUTE 13%
ISSUE Attempts to collect debt n…
RANK #466
COMPOSE #3,248

Volume peers

Nearest volume peer: Altisource Portfolio Solutions, S.à r.l. (239 complaints)

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

RGS Financial, Inc.'s 239 CFPB complaints sit next to Altisource Portfolio Solutions, S.à r.l. 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 →

Spiky monthly series

Texas is the plurality state for RGS Financial, Inc. (15.9%)

The 2017-04 spike coincides with a 2,782-place gap between volume rank #466 and composite #3,248. Corpus placement method.

Plurality state: Texas 15.9%; Mid-band (15–30%) · 39 states with ≥1 filing
Spike month: 2017-04 15.4%; 12 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #466 volume; #3,248 composite; Cleanest-composite ladder is 2,782 places worse than volume

How does RGS Financial, Inc. compare to its peers?

How does RGS Financial, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

RGS Financial, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

96%

91%

Consumer-dispute ratelower is better

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-04 2019-10

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	76
Communication tactics	39
Written notification about debt	37
Cont'd attempts collect debt not owed	32
False statements or representation	23
Disclosure verification of debt	18
Took or threatened to take negative or legal action	8
Improper contact or sharing of info	2
Threatened to contact someone or share information improperly	2
Electronic communications	1

Where do complaints against RGS Financial, Inc. come from?

RGS Financial, Inc.'s own per-state count, not a national baseline.

Texas

38
California

26
Illinois

16
Nevada

14
Arizona

12
Florida

11
Georgia

11
New York

10

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for RGS Financial, Inc.: 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: 239.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 96.23430962343096%.

4 peers

Know your rights before responding to RGS Financial, Inc.: 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.