What is the most common complaint against RS Clark and Associates, Inc.?

The most common issue consumers report about RS Clark and Associates, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 560 complaints filed with the CFPB.

Are complaints against RS Clark and Associates, Inc. increasing or decreasing?

Complaints against RS Clark and Associates, Inc. have been stable. The company received 136 complaints in the last 12 months.

What is RS Clark and Associates, Inc.'s reputation grade?

RS Clark and Associates, Inc. has a reputation grade of F (score: 47.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does RS Clark and Associates, Inc. respond to consumer complaints?

RS Clark and Associates, Inc. has a 85% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.

In how many states does RS Clark and Associates, Inc. operate?

RS Clark and Associates, Inc. has received CFPB complaints from consumers in 30 states, with the most complaints from Texas (353 complaints).

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

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

CFPB complaint profile across 30 states, reputation grade F.

Compiled by PlainCollector

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

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 #4389

VOL 560
GRADE F
12MO 136
STATES 30
TIMELY 85%
DISPUTE 26%
ISSUE Attempts to collect debt n…
RANK #247
COMPOSE #4,389

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: RS Clark and Associates, Inc. is volume #247 but composite #4,389, while Texas dominates the geography. 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
Divergent corpus ranks: #247 volume; #4,389 composite; Cleanest-composite ladder is 4,142 places worse than volume

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 Associate… 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%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

353
Georgia

50
Florida

35
North Carolina

14
Tennessee

11
California

10
Louisiana

8
Arkansas

6

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.