CFPB Consumer Complaint Profile
Reliable Credit Association, Inc.
Consumers have filed 153 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
- 153
- Total complaints
- Mid-range
- 36
- Last 12 months
- 100%
- Timely response
- Top decile
- 20
- States affected
The verdict
Reliable Credit Association, Inc. ranks #1087 of 3,843 financial companies by CFPB complaint volume, with 153 complaints on record. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #1087
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Vehicle loan or lease
- most-complained product
- 20
- 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.
Reliable Credit Association, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 15 in 2024 to 32 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 |
|---|---|
| 2014 | 4 |
| 2015 | 7 |
| 2016 | 6 |
| 2017 | 8 |
| 2018 | 11 |
| 2019 | 4 |
| 2020 | 8 |
| 2021 | 9 |
| 2022 | 15 |
| 2023 | 26 |
| 2024 | 15 |
| 2025 | 32 |
| 2026year in progress | 8 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Reliable Credit Association, Inc.
153 complaints against Reliable Credit Association, Inc. appear in the CFPB record, including 36 from the trailing year. The 20 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Vehicle loan or lease," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Improper use of your report" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Reliable Credit Association, Inc. posts a 100% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 15% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 3.9% 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 Reliable Credit Association, Inc. have?
153 complaints have been filed against Reliable Credit Association, Inc. with the CFPB overall - 36 of them in the past year.
Does Reliable Credit Association, Inc. respond to complaints on time?
Reliable Credit Association, Inc. has a 100% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Reliable Credit Association, Inc.?
"Vehicle loan or lease" draws more CFPB complaints against Reliable Credit Association, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Reliable Credit Association, Inc.?
"Improper use of your report" is the single most frequently cited issue in complaints against Reliable Credit Association, Inc. - see all issues and counts above.
How do I file a complaint against Reliable Credit Association, Inc.?
You can file a complaint against Reliable Credit Association, 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 Reliable Credit Association, Inc.?
The CFPB has recorded complaints against Reliable Credit Association, Inc. from 20 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Reliable Credit Association, Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (15% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Reliable Credit Association, Inc. have?
153 complaints have been filed against Reliable Credit Association, Inc. with the CFPB overall - 36 of them in the past year.
Does Reliable Credit Association, Inc. respond to complaints on time?
Reliable Credit Association, Inc. has a 100% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Reliable Credit Association, Inc.?
"Vehicle loan or lease" draws more CFPB complaints against Reliable Credit Association, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Reliable Credit Association, Inc.?
"Improper use of your report" is the single most frequently cited issue in complaints against Reliable Credit Association, Inc. - see all issues and counts above.
How do I file a complaint against Reliable Credit Association, Inc.?
You can file a complaint against Reliable Credit Association, 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 Reliable Credit Association, Inc.?
The CFPB has recorded complaints against Reliable Credit Association, Inc. from 20 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.