Total CFPB complaints
46
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 46 complaints
Rubin & Yates, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 23 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Rubin & Yates, LLC
- Communication tactics
Communication tactics
14 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
13 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
10 complaints
- False statements or representation
False statements or representation
6 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
F
Grade F · 38.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Rubin & Yates, LLC?
Rubin & Yates, LLC has accumulated 46 total CFPB complaints across 23 states, with 0 filed in the most recent 12 months against 46 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 15% timely-response rate against a 4% 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 23 states, led by Florida with 5 and California with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 38.4/100 places Rubin & Yates, LLC 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
0
0.0% of total history
Stable →
States active
23
Distinct state filings
Timely response rate
15%
Within CFPB SLA window
Consumer disputes
4%
After company response
Reputation grade
F
38.4/100 composite
Response-quality profile
How Rubin & Yates, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 15.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 8.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 41.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Rubin & Yates, LLC compare to its peers?
Rubin & Yates, 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)
2013-07 2016-02
Top Consumer Issues
Cont'd attempts collect debt not owed13 (%)
Communication tactics14 (%)
Taking/threatening an illegal action10 (%)
False statements or representation6 (%)
Disclosure verification of debt1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt was paid
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 was paid | 8 |
| Communication tactics | Threatened to take legal action | 8 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 6 |
| False statements or representation | Impersonated an attorney or official | 6 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Communication tactics | Frequent or repeated calls | 5 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 3 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 1 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
Where do complaints against Rubin & Yates, LLC come from?
The states where consumers have filed the most CFPB complaints against Rubin & Yates, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Rubin & Yates, LLC
Across 23 states with at least one filing
- Florida
Florida
5 complaints
- California
California
4 complaints
- Pennsylvania
Pennsylvania
4 complaints
- Texas
Texas
4 complaints
- Illinois
Illinois
3 complaints
- South Carolina
South Carolina
3 complaints
- Wisconsin
Wisconsin
2 complaints
- New Hampshire
New Hampshire
2 complaints
Frequently Asked Questions
What is the most common complaint against Rubin & Yates, LLC? ▼
The most common issue consumers report about Rubin & Yates, LLC is "Cont'd attempts collect debt not owed", specifically "Debt was paid". This is based on 46 complaints filed with the CFPB.
Are complaints against Rubin & Yates, LLC increasing or decreasing? ▼
Complaints against Rubin & Yates, LLC have been stable. The company received 0 complaints in the last 12 months.
What is Rubin & Yates, LLC's reputation grade? ▼
Rubin & Yates, LLC has a reputation grade of F (score: 38.4/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Rubin & Yates, LLC respond to consumer complaints? ▼
Rubin & Yates, LLC has a 15% timely response rate to CFPB complaints. Consumers disputed the company's response in 4% of cases.
In how many states does Rubin & Yates, LLC operate? ▼
Rubin & Yates, LLC has received CFPB complaints from consumers in 23 states, with the most complaints from Florida (5 complaints).
What can I do if Rubin & Yates, 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 & Yates, 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 |