Total CFPB complaints
11
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 11 complaints
Ricart Financial Services — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Ricart Financial Services
- Taking/threatening an illegal action
Taking/threatening an illegal action
2 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
1 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
1 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
1 complaints
B
Grade B · 67.4/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about Ricart Financial Services?
Ricart Financial Services has accumulated 11 total CFPB complaints across 2 states, with 2 filed in the most recent 12 months against 9 historical complaints before that window. The trailing-12-month volume represents 18.2% 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 "Taking/threatening an illegal action", narrowing to "Threatened to sue on too old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 40% 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 2 states, led by Ohio with 10 and Alabama with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 67.4/100 places Ricart Financial Services in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
18.2% of total history
Rising ↑
States active
2
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
40%
After company response
Reputation grade
B
67.4/100 composite
Response-quality profile
How Ricart Financial Services performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 80.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Ricart Financial Services compare to its peers?
Ricart Financial Servi… 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)
2014-09 2025-10
Top Consumer Issues
Taking/threatening an illegal action2 (%)
Attempts to collect debt not owed2 (%)
Improper contact or sharing of info1 (%)
Threatened to contact someone or share information improperly1 (%)
Cont'd attempts collect debt not owed1 (%)
Disclosure verification of debt1 (%)
Took or threatened to take negative or legal action2 (%)
Communication tactics1 (%)
Most common issue: Taking/threatening an illegal action — Threatened to sue on too old debt
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened to sue on too old debt | 2 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Ricart Financial Services come from?
The states where consumers have filed the most CFPB complaints against Ricart Financial Services. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Ricart Financial Services
Across 2 states with at least one filing
- Ohio
Ohio
10 complaints
- Alabama 1
Alabama
1 complaints
Frequently Asked Questions
What is the most common complaint against Ricart Financial Services? ▼
The most common issue consumers report about Ricart Financial Services is "Taking/threatening an illegal action", specifically "Threatened to sue on too old debt". This is based on 11 complaints filed with the CFPB.
Are complaints against Ricart Financial Services increasing or decreasing? ▼
Complaints against Ricart Financial Services are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Ricart Financial Services's reputation grade? ▼
Ricart Financial Services has a reputation grade of B (score: 67.4/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does Ricart Financial Services respond to consumer complaints? ▼
Ricart Financial Services has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 40% of cases.
In how many states does Ricart Financial Services operate? ▼
Ricart Financial Services has received CFPB complaints from consumers in 2 states, with the most complaints from Ohio (10 complaints).
What can I do if Ricart Financial Services 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 Ricart Financial Services 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 |