Total CFPB complaints
324
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 324 complaints
Rubin & Rothman, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Rubin & Rothman, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
68 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
60 complaints
- Written notification about debt
Written notification about debt
52 complaints
- False statements or representation
False statements or representation
32 complaints
- Disclosure verification of debt 11
Disclosure verification of debt
11 complaints
D
Grade D · 58.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Rubin & Rothman, LLC?
Rubin & Rothman, LLC has accumulated 324 total CFPB complaints across 16 states, with 96 filed in the most recent 12 months against 228 historical complaints before that window. The trailing-12-month volume represents 29.6% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 17% 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 16 states, led by New York with 202 and New Jersey with 46, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.2/100 places Rubin & Rothman, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
96
29.6% of total history
Rising ↑
States active
16
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
58.2/100 composite
Response-quality profile
How Rubin & Rothman, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 34.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Rubin & Rothman, LLC compare to its peers?
Rubin & Rothman, LLC 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)
2024-03 2026-03
Top Consumer Issues
Written notification about debt52 (%)
Attempts to collect debt not owed68 (%)
Took or threatened to take negative or legal action60 (%)
False statements or representation32 (%)
Disclosure verification of debt11 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 42 |
| Attempts to collect debt not owed | Debt is not yours | 39 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 37 |
| False statements or representation | Attempted to collect wrong amount | 32 |
| Attempts to collect debt not owed | Debt was paid | 18 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 12 |
| Disclosure verification of debt | Not given enough info to verify debt | 11 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 11 |
| Attempts to collect debt not owed | Debt was result of identity theft | 11 |
| Written notification about debt | Didn't receive notice of right to dispute | 10 |
Where do complaints against Rubin & Rothman, LLC come from?
The states where consumers have filed the most CFPB complaints against Rubin & Rothman, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Rubin & Rothman, LLC
Across 16 states with at least one filing
- New York
New York
202 complaints
- New Jersey 46
New Jersey
46 complaints
- Connecticut 33
Connecticut
33 complaints
- Massachusetts 13
Massachusetts
13 complaints
- Maine 8
Maine
8 complaints
- Pennsylvania 5
Pennsylvania
5 complaints
- North Carolina 3
North Carolina
3 complaints
- New Hampshire 3
New Hampshire
3 complaints
Frequently Asked Questions
What is the most common complaint against Rubin & Rothman, LLC? ▼
The most common issue consumers report about Rubin & Rothman, LLC is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 324 complaints filed with the CFPB.
Are complaints against Rubin & Rothman, LLC increasing or decreasing? ▼
Complaints against Rubin & Rothman, LLC are rising. The company received 96 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Rubin & Rothman, LLC's reputation grade? ▼
Rubin & Rothman, LLC has a reputation grade of D (score: 58.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Rubin & Rothman, LLC respond to consumer complaints? ▼
Rubin & Rothman, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does Rubin & Rothman, LLC operate? ▼
Rubin & Rothman, LLC has received CFPB complaints from consumers in 16 states, with the most complaints from New York (202 complaints).
What can I do if Rubin & Rothman, LLC 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 & Rothman, LLC 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 |