Total CFPB complaints
34
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 34 complaints
Rubin & Debski, P.A. — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Rubin & Debski, P.A.
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
5 complaints
- False statements or representation
False statements or representation
5 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Disclosure verification of debt
Disclosure verification of debt
4 complaints
- Taking/threatening an illegal action 2
Taking/threatening an illegal action
2 complaints
F
Grade F · 49.0/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Rubin & Debski, P.A.?
Rubin & Debski, P.A. has accumulated 34 total CFPB complaints across 3 states, with 2 filed in the most recent 12 months against 32 historical complaints before that window. The trailing-12-month volume represents 5.9% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 38% timely-response rate against a 0% 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 3 states, led by Florida with 31 and Virginia with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 49.0/100 places Rubin & Debski, P.A. 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
2
5.9% of total history
Falling ↓
States active
3
Distinct state filings
Timely response rate
38%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
49.0/100 composite
Response-quality profile
How Rubin & Debski, P.A. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 38.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Rubin & Debski, P.A. compare to its peers?
Rubin & Debski, P.A. 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)
2015-03 2025-11
Top Consumer Issues
Cont'd attempts collect debt not owed5 (%)
False statements or representation5 (%)
Took or threatened to take negative or legal action4 (%)
Attempts to collect debt not owed7 (%)
Disclosure verification of debt4 (%)
Taking/threatening an illegal action2 (%)
Communication tactics2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
Where do complaints against Rubin & Debski, P.A. come from?
The states where consumers have filed the most CFPB complaints against Rubin & Debski, P.A.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Rubin & Debski, P.A.
Across 3 states with at least one filing
- Florida
Florida
31 complaints
- Virginia 1
Virginia
1 complaints
- New York 1
New York
1 complaints
Frequently Asked Questions
What is the most common complaint against Rubin & Debski, P.A.? ▼
The most common issue consumers report about Rubin & Debski, P.A. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 34 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 2 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: 49.0/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (31 complaints).
What can I do if Rubin & Debski, P.A. 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 Rubin & Debski, P.A. 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 |