2026 data Public-data reference. official source

RAS LaVrar, LLC

Open-data reference.

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Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt

171
Debt Collection Complaints
89.5%
of All Complaints
92.7%
Timely Response
0%
Closed with Relief

Debt Collection Complaint Breakdown

Credit card debt 148
I do not know 16
Other debt 7

Top Complaint Issues

1.Attempts to collect debt not owed 67
2.Took or threatened to take negative or legal action 39
3.Written notification about debt 38
4.False statements or representation 17
5.Incorrect information on your report 9
6.Communication tactics 6
7.Improper use of your report 4
8.Threatened to contact someone or share information improperly 4
9.Getting a credit card 3
10.Problem with customer service 1

Company Responses

Closed with explanation 191
Credit utilization context for debt-collection consumers

Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-50 to -70)75-100Maxed (-70 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Year

Year Complaints
2017 2
2018 14
2019 13
2020 9
2021 17
2022 15
2023 32
2024 37
2025 49
2026 3

Complaints by State (Top 15)

Florida 98
Georgia 40
Virginia 20
Pennsylvania 16
South Carolina 10
New York 1
Maryland 1
Kentucky 1
California 1
North Carolina 1

Other Complaint Types

Credit reporting or other personal consumer reports - Credit reporting 10
Credit card - General-purpose credit card or charge card 4
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 3
Debt or credit management - Debt settlement 1
Credit card - Store credit card 1
Credit card or prepaid card - General-purpose credit card or charge card 1
Your Rights with Debt Collectors

The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.

  • Request written verification of any debt within 30 days of first contact
  • Dispute a debt if you believe it is incorrect or does not belong to you
  • Demand the collector stop contacting you (in writing)
  • File a complaint with the CFPB at consumerfinance.gov/complaint
Full complaint profile for RAS LaVrar, LLC → All debt collectors →

What the CFPB Record Shows for RAS LaVrar, LLC

The CFPB has logged 171 debt-collection complaints against RAS LaVrar, LLC, 89.5% of the 191 complaints filed against this entity overall. Consumers in 10 states and territories have filed reports, putting this collection operation in geographically focused territory by complaint volume. Consumers most frequently describe "Credit card debt" as the debt type behind their complaint about this collector. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.

92.7% of CFPB-forwarded complaints against this company get a reply inside the Bureau's 15-day window. That sits below the 95% industry benchmark, which historically correlates with higher downstream dispute rates. 0% of resolved cases against this company closed with some form of consumer relief, a notably low ratio worth weighing against the disputed-response percentage.

How to read these numbers, and what to do if you're disputing a charge

Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.

Frequently Asked Questions

How many debt collection complaints does RAS LaVrar, LLC have?

171 debt-collection complaints against RAS LaVrar, LLC appear in the CFPB record - 89.5% of the company's total complaint volume.

Does RAS LaVrar, LLC respond to complaints on time?

RAS LaVrar, LLC's CFPB timely-response rate is 92.7%.

Does RAS LaVrar, LLC provide relief to consumers?

RAS LaVrar, LLC closed 0% of resolved complaints with some form of consumer relief, monetary or non-monetary.

What type of debt does RAS LaVrar, LLC primarily collect?

"Credit card debt" is the debt type RAS LaVrar, LLC is most associated with in CFPB complaint data - see the full breakdown above.

What rights do I have against RAS LaVrar, LLC?

Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.

In how many states is RAS LaVrar, LLC active?

CFPB data shows consumer complaints against RAS LaVrar, LLC from 10 states and territories.

Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.

Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.

Read our methodology - how this data is sourced, computed, and verified.