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

CFPB complaint data Grade D 87 complaints

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

CFPB complaint profile across 14 states, reputation grade D.

Complaints by issue type

What consumers report about R.T.R. Financial Services, Inc.

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

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 87
  • GRADE D
  • 12MO 25
  • STATES 14
  • TIMELY 98%
  • ISSUE Attempts to collect debt n…
  • RANK #885
  • COMPOSE Not ranked

Volume peers

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

AA Recovery Solutions, Inc.AA Recovery Solutions, Inc.87Receivable Collection Services, LLCReceivable Collection Servic…87R.T.R. Financial Services, Inc. (this)R.T.R. Financial Services, I…87Conrad Credit CorporationConrad Credit Corporation88Delray Capital, LLCDelray Capital, LLC88
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 →

How the 87 complaints break down

Every complaint issue type on record for R.T.R. Financial Services, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
50.5/100
R.T.R. Financial Services, 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
87
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
98%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#885 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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 Services, Inc. National average
Complaints (last 12 mo)lower is better
25
14
268
Timely-response ratehigher is better
98%
82%
91%
Consumer-dispute ratelower is better
0%
0%
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 R.T.R. Financial Services, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 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 0%20%40%60%80%100%120% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) R.T.R. Financial Services, Inc. vs. 8 similar-volume peers, by response speed and dispute rate Receivable Collection Services, LLCVoss & Klein, LLCTri-State Adjustments, Inc.Bronstein & Weiss ArbitrationRSH & Associates, LLCDLF Law Group, LLCOUT TECH, INC.Focused Recovery Solutions, Inc.
Source: CFPB Consumer Complaint Database

R.T.R. Financial Services, Inc.'s complaint volume in context

R.T.R. Financial Services, 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)

87 Top 16% higher than 84% 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%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. R.T.R. Financial Services, 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)

Rising ↑
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.

Top states by complaints against R.T.R. Financial Services, Inc.

Across 14 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 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.