CFPB Consumer Complaint Profile
Ratchford Law Group, P.C.
Consumers have filed 55 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 55
- Total complaints
- Mid-range
- 25
- Last 12 months
- 80%
- Timely response
- Bottom decile
- 8
- States affected
The verdict
55 CFPB complaints put Ratchford Law Group, P.C. at #1743 out of 3,843 financial companies ranked by complaint volume. It posts a 80% on-time response rate, the 9th percentile among companies with 100+ complaints.
- #1743
- of 3,843 companies by volume
- 80%
- on time (9th pctile)
- Debt collection
- most-complained product
- 8
- 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.
Ratchford Law Group, P.C. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
80% Among the lowest higher than 9% 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 12 in 2024 to 29 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 |
|---|---|
| 2022 | 1 |
| 2023 | 5 |
| 2024 | 12 |
| 2025 | 29 |
| 2026year in progress | 8 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Ratchford Law Group, P.C.
55 complaints against Ratchford Law Group, P.C. appear in the CFPB record, including 25 from the trailing year. The 8 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. 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 Ratchford Law Group, P.C. draw a 80% reply rate inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Among resolved complaints, the consumer-relief closure rate is 0%.
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 Ratchford Law Group, P.C. have?
55 complaints have been filed against Ratchford Law Group, P.C. with the CFPB overall - 25 of them in the past year.
Does Ratchford Law Group, P.C. respond to complaints on time?
CFPB complaints against Ratchford Law Group, P.C. draw a 80% timely-response rate inside the expected window.
What product generates the most complaints for Ratchford Law Group, P.C.?
The most complained-about product for Ratchford Law Group, P.C. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Ratchford Law Group, P.C.?
The most common issue reported by consumers about Ratchford Law Group, P.C. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Ratchford Law Group, P.C.?
You can file a complaint against Ratchford Law Group, P.C. 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 Ratchford Law Group, P.C.?
Ratchford Law Group, P.C. has drawn CFPB complaints from 8 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 Ratchford Law Group, P.C. have?
55 complaints have been filed against Ratchford Law Group, P.C. with the CFPB overall - 25 of them in the past year.
Does Ratchford Law Group, P.C. respond to complaints on time?
CFPB complaints against Ratchford Law Group, P.C. draw a 80% timely-response rate inside the expected window.
What product generates the most complaints for Ratchford Law Group, P.C.?
The most complained-about product for Ratchford Law Group, P.C. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Ratchford Law Group, P.C.?
The most common issue reported by consumers about Ratchford Law Group, P.C. is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against Ratchford Law Group, P.C.?
You can file a complaint against Ratchford Law Group, P.C. 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 Ratchford Law Group, P.C.?
Ratchford Law Group, P.C. has drawn CFPB complaints from 8 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.