What is the most common complaint against R.T.R. Financial Services, Inc.?

The most common issue consumers report about R.T.R. Financial Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 87 complaints filed with the CFPB.

Are complaints against R.T.R. Financial Services, Inc. increasing or decreasing?

Complaints against R.T.R. Financial Services, Inc. are rising. The company received 25 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is R.T.R. Financial Services, Inc.'s reputation grade?

R.T.R. Financial Services, Inc. has a reputation grade of D (score: 50.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does R.T.R. Financial Services, Inc. respond to consumer complaints?

R.T.R. Financial Services, Inc. has a 98% timely response rate to CFPB complaints.

In how many states does R.T.R. Financial Services, Inc. operate?

R.T.R. Financial Services, Inc. has received CFPB complaints from consumers in 14 states, with the most complaints from New York (45 complaints).

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

R.T.R. Financial Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

41
Written notification about debt

21
Communication tactics

12
False statements or representation

9
Threatened to contact someone or share information improperly

2
Took or threatened to take negative or legal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record rtr-financial-services-inc R.T.R. Financial Services, Inc.

Grade D · 87 CFPB filings · 98% timely · lead issue: Attempts to collect debt not owed · vol #885 · compose #4109

VOL 87
GRADE D
12MO 25
STATES 14
TIMELY 98%
ISSUE Attempts to collect debt n…
RANK #885
COMPOSE #4,109

Volume peers

Nearest volume peer: AA Recovery Solutions, Inc. (87 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

R.T.R. Financial Services, Inc.'s 87 CFPB complaints sit next to AA Recovery Solutions, Inc. 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

51.7% of R.T.R. Financial Services, Inc.'s CFPB filings land in New York

High volume does not equal a clean composite: R.T.R. Financial Services, Inc. is volume #885 but composite #4,109, while New York dominates the geography. Corpus placement method.

Dominant state: New York 51.7%; 45 of 87 filings · 14 states touched
Seasonal peak: 2024-02 12.3%; 8–15% band · 8 filings
Divergent corpus ranks: #885 volume; #4,109 composite; Cleanest-composite ladder is 3,224 places worse than volume

How does R.T.R. Financial Services, Inc. compare to its peers?

How does R.T.R. Financial Services, 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

R.T.R. Financial Servi… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

82%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-01 2024-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	41
Written notification about debt	21
Communication tactics	12
False statements or representation	9
Threatened to contact someone or share information improperly	2
Took or threatened to take negative or legal action	1
Electronic communications	1

Where do complaints against R.T.R. Financial Services, Inc. come from?

R.T.R. Financial Services, Inc.'s own per-state count, not a national baseline.

New York

45
Florida

15
Texas

5
New Jersey

4
Virginia

4
Pennsylvania

3
Massachusetts

2
South Carolina

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for R.T.R. Financial Services, 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: 87.

4 peers

Know your rights before responding to R.T.R. Financial Services, 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.