Total CFPB complaints
239
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 239 complaints
RGS Financial, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about RGS Financial, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
76 complaints
- Written notification about debt
Written notification about debt
37 complaints
- Communication tactics
Communication tactics
36 complaints
- Cont'd attempts collect debt not owed 23
Cont'd attempts collect debt not owed
23 complaints
- False statements or representation 17
False statements or representation
17 complaints
- Disclosure verification of debt 12
Disclosure verification of debt
12 complaints
D
Grade D · 58.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about RGS Financial, Inc.?
RGS Financial, Inc. has accumulated 239 total CFPB complaints across 39 states, with 22 filed in the most recent 12 months against 217 historical complaints before that window. The trailing-12-month volume represents 9.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% 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 39 states, led by Texas with 38 and California with 26, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.8/100 places RGS Financial, 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
22
9.2% of total history
Rising ↑
States active
39
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
D
58.8/100 composite
Response-quality profile
How RGS Financial, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.2%
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 69.6%
Share of US states + territories with at least one filed complaint against this collector.
How does RGS Financial, Inc. compare to its peers?
RGS Financial, Inc. 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)
2023-03 2026-02
Top Consumer Issues
Attempts to collect debt not owed76 (%)
Communication tactics36 (%)
Written notification about debt37 (%)
Cont'd attempts collect debt not owed23 (%)
False statements or representation17 (%)
Disclosure verification of debt12 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 50 |
| Communication tactics | Frequent or repeated calls | 27 |
| Written notification about debt | Didn't receive enough information to verify debt | 27 |
| Cont'd attempts collect debt not owed | Debt is not mine | 23 |
| False statements or representation | Attempted to collect wrong amount | 17 |
| Attempts to collect debt not owed | Debt was result of identity theft | 16 |
| Disclosure verification of debt | Not given enough info to verify debt | 12 |
| Written notification about debt | Didn't receive notice of right to dispute | 10 |
| Attempts to collect debt not owed | Debt was paid | 10 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 9 |
Where do complaints against RGS Financial, Inc. come from?
The states where consumers have filed the most CFPB complaints against RGS Financial, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against RGS Financial, Inc.
Across 39 states with at least one filing
- Texas
Texas
38 complaints
- California
California
26 complaints
- Illinois
Illinois
16 complaints
- Nevada 14
Nevada
14 complaints
- Arizona 12
Arizona
12 complaints
- Florida 11
Florida
11 complaints
- Georgia 11
Georgia
11 complaints
- New York 10
New York
10 complaints
Frequently Asked Questions
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 rising. The company received 22 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is RGS Financial, Inc.'s reputation grade? ▼
RGS Financial, Inc. has a reputation grade of D (score: 58.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if RGS Financial, 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 RGS Financial, 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 |