Total CFPB complaints
18
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 18 complaints
RUI Credit Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about RUI Credit Services, Inc.
- Disclosure verification of debt
Disclosure verification of debt
5 complaints
- Communication tactics
Communication tactics
3 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- Written notification about debt
Written notification about debt
2 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
C
Grade C · 65.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about RUI Credit Services, Inc.?
RUI Credit Services, Inc. has accumulated 18 total CFPB complaints across 7 states, with 0 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 89% timely-response rate against a 22% 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 7 states, led by New York with 3 and Connecticut with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.0/100 places RUI Credit Services, Inc. in grade band C, 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
Falling ↓
States active
7
Distinct state filings
Timely response rate
89%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
C
65.0/100 composite
Response-quality profile
How RUI Credit Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 88.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 44.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does RUI Credit Services, Inc. compare to its peers?
RUI Credit Services, I… 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)
2014-04 2024-07
Top Consumer Issues
Disclosure verification of debt5 (%)
Communication tactics3 (%)
Cont'd attempts collect debt not owed3 (%)
Attempts to collect debt not owed3 (%)
Written notification about debt2 (%)
Took or threatened to take negative or legal action1 (%)
False statements or representation1 (%)
Most common issue: Disclosure verification of debt — Not given enough info 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 |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Communication tactics | Frequent or repeated calls | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against RUI Credit Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against RUI Credit Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against RUI Credit Services, Inc.
Across 7 states with at least one filing
- New York
New York
3 complaints
- Connecticut
Connecticut
3 complaints
- Massachusetts
Massachusetts
3 complaints
- Pennsylvania
Pennsylvania
3 complaints
- Florida
Florida
2 complaints
- California
California
2 complaints
- Kansas 1
Kansas
1 complaints
Frequently Asked Questions
What is the most common complaint against RUI Credit Services, Inc.? ▼
The most common issue consumers report about RUI Credit Services, Inc. is "Disclosure verification of debt", specifically "Not given enough info to verify debt". This is based on 18 complaints filed with the CFPB.
Are complaints against RUI Credit Services, Inc. increasing or decreasing? ▼
Complaints against RUI Credit Services, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is RUI Credit Services, Inc.'s reputation grade? ▼
RUI Credit Services, Inc. has a reputation grade of C (score: 65.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does RUI Credit Services, Inc. respond to consumer complaints? ▼
RUI Credit Services, Inc. has a 89% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.
In how many states does RUI Credit Services, Inc. operate? ▼
RUI Credit Services, Inc. has received CFPB complaints from consumers in 7 states, with the most complaints from New York (3 complaints).
What can I do if RUI Credit Services, Inc. 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 RUI Credit Services, Inc. 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 |