What is the most common complaint against R.M. Galicia, Inc.?

The most common issue consumers report about R.M. Galicia, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 852 complaints filed with the CFPB.

Are complaints against R.M. Galicia, Inc. increasing or decreasing?

Complaints against R.M. Galicia, Inc. are falling. The company received 26 complaints in the last 12 months, showing improvement over prior periods.

What is R.M. Galicia, Inc.'s reputation grade?

R.M. Galicia, Inc. has a reputation grade of D (score: 53.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does R.M. Galicia, Inc. respond to consumer complaints?

R.M. Galicia, Inc. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 18% of cases.

In how many states does R.M. Galicia, Inc. operate?

R.M. Galicia, Inc. has received CFPB complaints from consumers in 34 states, with the most complaints from California (593 complaints).

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

R.M. Galicia, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

287
Written notification about debt

188
Cont'd attempts collect debt not owed

109
False statements or representation

93
Disclosure verification of debt

60
Took or threatened to take negative or legal action

51

Data updated September 2026

CFPB complaint disposition

CCDB record rm-galicia-inc R.M. Galicia, Inc.

Grade D · 852 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #176 · compose #3730

VOL 852
GRADE D
12MO 26
STATES 34
TIMELY 98%
DISPUTE 18%
ISSUE Attempts to collect debt n…
RANK #176
COMPOSE #3,730

Volume peers

Nearest volume peer: GLA Collection Company, Inc. (863 complaints)

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

R.M. Galicia, Inc.'s 852 CFPB complaints sit next to GLA Collection Company, Inc. 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 →

State-heavy filing map

69.6% of R.M. Galicia, Inc.'s CFPB filings land in California

High volume does not equal a clean composite: R.M. Galicia, Inc. is volume #176 but composite #3,730, while California dominates the geography. Corpus placement method.

Dominant state: California 69.6%; 593 of 852 filings · 34 states touched
Seasonal peak: 2022-10 10.4%; 8–15% band · 5 filings
Divergent corpus ranks: #176 volume; #3,730 composite; Cleanest-composite ladder is 3,554 places worse than volume

How does R.M. Galicia, Inc. compare to its peers?

How does R.M. Galicia, 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

R.M. Galicia, Inc. National average

Complaints (last 12 mo)lower is better

134

268

Timely-response ratehigher is better

98%

99%

91%

Consumer-dispute ratelower is better

18%

28%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-10 2026-02

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	287
Written notification about debt	188
Cont'd attempts collect debt not owed	109
False statements or representation	93
Disclosure verification of debt	60
Took or threatened to take negative or legal action	51
Communication tactics	36
Improper contact or sharing of info	14
Threatened to contact someone or share information improperly	10
Electronic communications	2

Where do complaints against R.M. Galicia, Inc. come from?

R.M. Galicia, Inc.'s own per-state count, not a national baseline.

California

593
Arizona

89
Nevada

23
Texas

23
South Carolina

12
Florida

10
North Carolina

10
Georgia

9

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for R.M. Galicia, 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: 852.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.22695035460993%.

4 peers

Know your rights before responding to R.M. Galicia, 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.