Total CFPB complaints
35
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 35 complaints
RMA Credit Association — 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 RMA Credit Association
- Attempts to collect debt not owed
Attempts to collect debt not owed
16 complaints
- Written notification about debt 5
Written notification about debt
5 complaints
- False statements or representation 5
False statements or representation
5 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 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 RMA Credit Association?
RMA Credit Association has accumulated 35 total CFPB complaints across 2 states, with 4 filed in the most recent 12 months against 31 historical complaints before that window. The trailing-12-month volume represents 11.4% 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 97% timely-response rate against a 43% 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 Texas with 34 and Louisiana 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 58.8/100 places RMA Credit Association 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
4
11.4% of total history
Rising ↑
States active
2
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
43%
After company response
Reputation grade
D
58.8/100 composite
Response-quality profile
How RMA Credit Association performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 97.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 85.7%
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 RMA Credit Association compare to its peers?
RMA Credit Association 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)
2017-04 2026-01
Top Consumer Issues
Attempts to collect debt not owed16 (%)
Written notification about debt5 (%)
False statements or representation5 (%)
Cont'd attempts collect debt not owed2 (%)
Took or threatened to take negative or legal action3 (%)
Disclosure verification of debt2 (%)
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 | 11 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
Where do complaints against RMA Credit Association come from?
The states where consumers have filed the most CFPB complaints against RMA Credit Association. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against RMA Credit Association
Across 2 states with at least one filing
- Texas
Texas
34 complaints
- Louisiana 1
Louisiana
1 complaints
Frequently Asked Questions
What is the most common complaint against RMA Credit Association? ▼
The most common issue consumers report about RMA Credit Association is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 35 complaints filed with the CFPB.
Are complaints against RMA Credit Association increasing or decreasing? ▼
Complaints against RMA Credit Association are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is RMA Credit Association's reputation grade? ▼
RMA Credit Association 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 RMA Credit Association respond to consumer complaints? ▼
RMA Credit Association has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 43% of cases.
In how many states does RMA Credit Association operate? ▼
RMA Credit Association has received CFPB complaints from consumers in 2 states, with the most complaints from Texas (34 complaints).
What can I do if RMA Credit Association 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 RMA Credit Association 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 |