Total CFPB complaints
522
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 522 complaints
RS Clark and Associates, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 30 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about RS Clark and Associates, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
196 complaints
- Written notification about debt
Written notification about debt
89 complaints
- Took or threatened to take negative or legal action 55
Took or threatened to take negative or legal action
55 complaints
- Cont'd attempts collect debt not owed 55
Cont'd attempts collect debt not owed
55 complaints
- False statements or representation 50
False statements or representation
50 complaints
- Disclosure verification of debt 20
Disclosure verification of debt
20 complaints
F
Grade F · 50.0/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about RS Clark and Associates, Inc.?
RS Clark and Associates, Inc. has accumulated 522 total CFPB complaints across 30 states, with 118 filed in the most recent 12 months against 404 historical complaints before that window. The trailing-12-month volume represents 22.6% 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 85% timely-response rate against a 26% 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 30 states, led by Texas with 327 and Georgia with 48, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 50.0/100 places RS Clark and Associates, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
118
22.6% of total history
Rising ↑
States active
30
Distinct state filings
Timely response rate
85%
Within CFPB SLA window
Consumer disputes
26%
After company response
Reputation grade
F
50.0/100 composite
Response-quality profile
How RS Clark and Associates, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 52.0%
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?
RS Clark and Associate… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed196 (%)
Written notification about debt89 (%)
Took or threatened to take negative or legal action55 (%)
False statements or representation50 (%)
Cont'd attempts collect debt not owed55 (%)
Disclosure verification of debt20 (%)
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 | 132 |
| Written notification about debt | Didn't receive enough information to verify debt | 72 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 55 |
| False statements or representation | Attempted to collect wrong amount | 50 |
| Cont'd attempts collect debt not owed | Debt is not mine | 33 |
| Attempts to collect debt not owed | Debt was paid | 33 |
| Attempts to collect debt not owed | Debt was result of identity theft | 31 |
| Cont'd attempts collect debt not owed | Debt was paid | 22 |
| Disclosure verification of debt | Not given enough info to verify debt | 20 |
| Written notification about debt | Didn't receive notice of right to dispute | 17 |
Where do complaints against RS Clark and Associates, Inc. come from?
The states where consumers have filed the most CFPB complaints against RS Clark and Associates, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against RS Clark and Associates, Inc.
Across 30 states with at least one filing
- Texas
Texas
327 complaints
- Georgia 48
Georgia
48 complaints
- Florida 31
Florida
31 complaints
- North Carolina 12
North Carolina
12 complaints
- Tennessee 10
Tennessee
10 complaints
- California 10
California
10 complaints
- Louisiana 8
Louisiana
8 complaints
- Michigan 6
Michigan
6 complaints
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 522 complaints filed with the CFPB.
Are complaints against RS Clark and Associates, Inc. increasing or decreasing? ▼
Complaints against RS Clark and Associates, Inc. are rising. The company received 118 complaints in the last 12 months, indicating an upward trend in consumer issues.
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). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (327 complaints).
What can I do if RS Clark and Associates, Inc. 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 RS Clark and Associates, Inc. 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 |