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

Data updated July 2026

F

Grade F · 50.0/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: RS Clark and Associates, Inc. ranks ahead of 15% of the 5,283 collectors PlainCollector grades - 85% keep a cleaner CFPB record, on 560 all-time complaints and a 85% timely-response rate.

15th pct
reputation rank of 5,283 graded collectors
560
CFPB complaints, all-time
85%
answered inside the CFPB window
136
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about RS Clark and Associates, Inc.?

RS Clark and Associates, Inc. has accumulated 560 total CFPB complaints across 30 states, with 136 filed in the most recent 12 months against 424 historical complaints before that window. The trailing-12-month volume represents 24.3% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 85% timely-response rate against a 26% consumer-dispute-after-response rate.

Complaints have been recorded across 30 states, led by Texas with 353 and Georgia with 50. Normalized against the full CFPB collector database, the reputation score of 50.0/100 places RS Clark and Associates, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

560

mid-volume (CCDB)

Last 12 months

136

24.3% of all-time complaints

Stable →

States active

30

multi-region footprint

Timely response rate

85%

acceptable band

Consumer disputes

26%

elevated (vertical avg ~19%)

Reputation grade

F

50.0/100 composite

How does RS Clark and Associates, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

50 Bottom 15% higher than 15% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

RS Clark and Associates, Inc. versus the debt-collection vertical average.

Timely response within SLA 84.9%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 26.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 53.6%

Share of US states + territories with at least one filed complaint against this collector.

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, 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%
9%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-12 2024-07

Issue Detail Breakdown

Issue Sub-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

What to do if RS Clark and Associates, Inc. contacts you

A grade of F signals how RS Clark and Associates, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really RS Clark and Associates, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how RS Clark and Associates, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 50.0/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.