What is the most common complaint against Rubin & Debski, P.A.?

The most common issue consumers report about Rubin & Debski, P.A. is "Attempts to collect debt not owed", specifically "Debt is not mine". This is based on 36 complaints filed with the CFPB.

Are complaints against Rubin & Debski, P.A. increasing or decreasing?

Complaints against Rubin & Debski, P.A. are falling. The company received 4 complaints in the last 12 months, showing improvement over prior periods.

What is Rubin & Debski, P.A.'s reputation grade?

Rubin & Debski, P.A. has a reputation grade of F (score: 44.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Rubin & Debski, P.A. respond to consumer complaints?

Rubin & Debski, P.A. has a 38% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Rubin & Debski, P.A. operate?

Rubin & Debski, P.A. has received CFPB complaints from consumers in 3 states, with the most complaints from Florida (33 complaints).

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

Rubin & Debski, P.A. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

8
Took or threatened to take negative or legal action

6
False statements or representation

5
Cont'd attempts collect debt not owed

5
Disclosure verification of debt

4
Communication tactics

3

Data updated September 2026

CFPB complaint disposition

CCDB record rubin-debski-pa Rubin & Debski, P.A.

Grade F · 36 CFPB filings · 38% timely · lead issue: Attempts to collect debt not owed · vol #1418 · compose #4752

VOL 36
GRADE F
12MO 4
STATES 3
TIMELY 38%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #1,418
COMPOSE #4,752

Volume peers

Nearest volume peer: Affiliated Management Services (36 complaints)

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

Rubin & Debski, P.A.'s 36 CFPB complaints sit next to Affiliated Management Services 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

91.7% of Rubin & Debski, P.A.'s CFPB filings land in Florida

High volume does not equal a clean composite: Rubin & Debski, P.A. is volume #1,418 but composite #4,752, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 91.7%; 33 of 36 filings · 3 states touched
Seasonal peak: 2023-03 14.3%; 8–15% band · 3 filings
Divergent corpus ranks: #1,418 volume; #4,752 composite; Cleanest-composite ladder is 3,334 places worse than volume

How does Rubin & Debski, P.A. compare to its peers?

How does Rubin & Debski, P.A. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Rubin & Debski, P.A. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

38%

81%

91%

Consumer-dispute ratelower is better

26%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-07 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	8
Took or threatened to take negative or legal action	6
False statements or representation	5
Cont'd attempts collect debt not owed	5
Disclosure verification of debt	4
Communication tactics	3
Improper contact or sharing of info	2
Taking/threatening an illegal action	2
Written notification about debt	1

Where do complaints against Rubin & Debski, P.A. come from?

Rubin & Debski, P.A.'s own per-state count, not a national baseline.

Florida

33
New York

1
Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Rubin & Debski, P.A.: 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: 36.

4 peers

Know your rights before responding to Rubin & Debski, P.A.: 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.