RS Clark and Associates, Inc.
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Other debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 7 |
| 2014 | 26 |
| 2015 | 24 |
| 2016 | 33 |
| 2017 | 37 |
| 2018 | 38 |
| 2019 | 34 |
| 2020 | 33 |
| 2021 | 52 |
| 2022 | 43 |
| 2023 | 62 |
| 2024 | 76 |
| 2025 | 128 |
| 2026 | 45 |
Complaints by State (Top 15)
Other Complaint Types
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
What the CFPB Record Shows for RS Clark and Associates, Inc.
The CFPB has logged 524 debt-collection complaints against RS Clark and Associates, Inc., 82.1% of the 638 complaints filed against this entity overall. Consumers in 32 states and territories have filed reports, putting this collection operation in multi-state territory by complaint volume. The most common debt type behind these complaints is "Other debt," which is the category consumers most often describe when they file a CFPB report about this collector. The specific issue named most is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction with this collector.
Within the Bureau's 15-day response window, this company answers 85.9% of forwarded complaints. That sits below the 95% industry benchmark, which historically correlates with higher downstream dispute rates. Among resolved cases, 1.4% ended with monetary or non-monetary relief to the consumer - a notably low rate worth weighing against the dispute percentage. Consumers formally disputed the company's response in 25.7% of resolved cases, signalling how often the initial resolution failed to satisfy the complainant.
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 RS Clark and Associates, Inc. have?
RS Clark and Associates, Inc. has 524 debt collection complaints filed with the CFPB, representing 82.1% of all complaints against this company.
Does RS Clark and Associates, Inc. respond to complaints on time?
RS Clark and Associates, Inc.'s CFPB timely-response rate is 85.9%.
Does RS Clark and Associates, Inc. provide relief to consumers?
Of resolved complaints against RS Clark and Associates, Inc., 1.4% ended with consumer relief of some kind.
What type of debt does RS Clark and Associates, Inc. primarily collect?
"Other debt" is the debt type RS Clark and Associates, Inc. is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against RS Clark and Associates, Inc.?
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 RS Clark and Associates, Inc. active?
CFPB data shows consumer complaints against RS Clark and Associates, Inc. from 32 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.