What is the most common complaint against Ruoff Mortgage?

The most common issue consumers report about Ruoff Mortgage is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 2 complaints filed with the CFPB.

Are complaints against Ruoff Mortgage increasing or decreasing?

Complaints against Ruoff Mortgage are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Ruoff Mortgage's reputation grade?

Ruoff Mortgage has a reputation grade of A (score: 75.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Ruoff Mortgage respond to consumer complaints?

Ruoff Mortgage has a 100% timely response rate to CFPB complaints.

In how many states does Ruoff Mortgage operate?

Ruoff Mortgage has received CFPB complaints from consumers in 1 states, with the most complaints from Indiana (2 complaints).

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

Ruoff Mortgage - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Compiled by PlainCollector

Attempts to collect debt not owed

1
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record ruoff-mortgage Ruoff Mortgage

Grade A · 2 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #4313 · compose #833

VOL 2
GRADE A
12MO 1
STATES 1
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #4,313
COMPOSE #833

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

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

Ruoff Mortgage's 2 CFPB complaints sit next to 1 Auto Finance, Inc. 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

100.0% of Ruoff Mortgage's CFPB filings land in Indiana

High volume does not equal a clean composite: Ruoff Mortgage is volume #4,313 but composite #833, while Indiana dominates the geography. Corpus placement method.

Dominant state: Indiana 100.0%; 2 of 2 filings · 1 states touched
Spike month: 2024-12 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #4,313 volume; #833 composite; Cleanest-composite ladder is 3,480 places better than volume

How does Ruoff Mortgage compare to its peers?

How does RUOFF MORTGAGE compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

RUOFF MORTGAGE National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-12 2024-12

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1
False statements or representation	1

Where do complaints against Ruoff Mortgage come from?

Ruoff Mortgage's own per-state count, not a national baseline.

Indiana

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Ruoff Mortgage: 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: 2.

4 peers

Know your rights before responding to Ruoff Mortgage: 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.