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

CFPB complaint data Grade F 560 complaints

RS Clark and Associates, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 30 states, reputation grade F.

Complaints by issue type

What consumers report about RS Clark and Associates, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record rs-clark-and-associates-inc RS Clark and Associates, Inc.

Grade F · 560 CFPB filings · 85% timely · lead issue: Attempts to collect debt not owed · vol #247 · compose #452

  • VOL 560
  • GRADE F
  • 12MO 136
  • STATES 30
  • TIMELY 85%
  • DISPUTE 26%
  • ISSUE Attempts to collect debt n…
  • RANK #247
  • COMPOSE #452

Volume peers

Nearest volume peer: American Credit Acceptance, LLC (561 complaints)

CarMax, Inc.CarMax, Inc.557Community Choice Financial, Inc.Community Choice Financial, …559RS Clark and Associates, Inc. (this)RS Clark and Associates, Inc…560American Credit Acceptance, LLCAmerican Credit Acceptance, …561Collection Bureau of the Hudson Valley, Inc.Collection Bureau of the Hud…564
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

RS Clark and Associates, Inc.'s 560 CFPB complaints sit next to American Credit Acceptance, LLC 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 →

How the 560 complaints break down

Every complaint issue type on record for RS Clark and Associates, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
47.2/100
RS Clark and Associates, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
560
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
85%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
26%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

63.0% of RS Clark and Associates, Inc.'s CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Texas 63.0%
353 of 560 filings · 30 states touched
Seasonal peak
2023-07 10.5%
8–15% band · 4 filings
Corpus ranks
#247 volume
#452 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does RS Clark and Associates, Inc. compare to its peers?

How does RS Clark and Associates, 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
RS Clark and Associates, Inc. National average
Complaints (last 12 mo)lower is better
136
259
268
Timely-response ratehigher is better
85%
88%
91%
Consumer-dispute ratelower is better
26%
9%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy RS Clark and Associates, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) RS Clark and Associates, Inc. vs. 10 similar-volume peers, by response speed and dispute rate RS Clark and Associates, Inc.American Credit Acceptance, LLCCOMMUNITY CHOICE FINANCIAL, INC.CarMax, Inc.Collection Bureau of the Hudson Valley, Inc.EdFinancial ServicesLaw Office of Michael J. Scott, PCMonarch Recovery Holdings, Inc.Blitt and Gaines, P.C.OPORTUN FINANCIAL CORPORATIONThaxton Investment Corporation
Source: CFPB Consumer Complaint Database

RS Clark and Associates, Inc.'s complaint volume in context

RS Clark and Associates, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

560 Top 5% higher than 95% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. RS Clark and Associates, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2021-12 2024-07

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
213
Written notification about debt
98
Took or threatened to take negative or legal action
70
False statements or representation
59
Cont'd attempts collect debt not owed
59
Communication tactics
30
Disclosure verification of debt
26
Improper contact or sharing of info
3
Threatened to contact someone or share information improperly
2

Where do complaints against RS Clark and Associates, Inc. come from?

RS Clark and Associates, Inc.'s own per-state count, not a national baseline.

Top states by complaints against RS Clark and Associates, Inc.

Across 30 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for RS Clark and Associates, 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: 560.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 84.86590038314176%.

4 peers

Know your rights before responding to RS Clark and Associates, 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.