CFPB Consumer Complaint Profile
R.T.R. Financial Services, Inc.
84 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 84
- Total complaints
- Mid-range
- 29
- Last 12 months
- 97.6%
- Timely response
- Below median
- 12
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, R.T.R. Financial Services, Inc. sits at #1442, with 84 complaints logged. On-time replies land at 97.6%, the 44th percentile for the 100+ complaint peer group.
- #1442
- of 3,843 companies by volume
- 97.6%
- on time (44th pctile)
- Debt collection
- most-complained product
- 12
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
R.T.R. Financial Services, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
97.6% Around the middle higher than 44% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 14 in 2024 to 27 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 2 |
| 2019 | 8 |
| 2020 | 2 |
| 2021 | 4 |
| 2022 | 6 |
| 2023 | 16 |
| 2024 | 14 |
| 2025 | 27 |
| 2026year in progress | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for R.T.R. Financial Services, Inc.
The CFPB Consumer Complaint Database has logged 84 complaints against R.T.R. Financial Services, Inc. overall, with 29 of those filed in the trailing 12 months. Reports have come from consumers in 12 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against R.T.R. Financial Services, Inc. draw a 97.6% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 1.2% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does R.T.R. Financial Services, Inc. have?
R.T.R. Financial Services, Inc. has 84 total consumer complaints filed with the CFPB, with 29 filed in the last 12 months.
Does R.T.R. Financial Services, Inc. respond to complaints on time?
R.T.R. Financial Services, Inc. has a 97.6% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for R.T.R. Financial Services, Inc.?
"Debt collection" draws more CFPB complaints against R.T.R. Financial Services, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with R.T.R. Financial Services, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about R.T.R. Financial Services, Inc.; the full issue list with counts is above.
How do I file a complaint against R.T.R. Financial Services, Inc.?
You can file a complaint against R.T.R. Financial Services, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about R.T.R. Financial Services, Inc.?
R.T.R. Financial Services, Inc. has drawn CFPB complaints from 12 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does R.T.R. Financial Services, Inc. have?
R.T.R. Financial Services, Inc. has 84 total consumer complaints filed with the CFPB, with 29 filed in the last 12 months.
Does R.T.R. Financial Services, Inc. respond to complaints on time?
R.T.R. Financial Services, Inc. has a 97.6% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for R.T.R. Financial Services, Inc.?
"Debt collection" draws more CFPB complaints against R.T.R. Financial Services, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with R.T.R. Financial Services, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about R.T.R. Financial Services, Inc.; the full issue list with counts is above.
How do I file a complaint against R.T.R. Financial Services, Inc.?
You can file a complaint against R.T.R. Financial Services, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about R.T.R. Financial Services, Inc.?
R.T.R. Financial Services, Inc. has drawn CFPB complaints from 12 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.