CFPB Consumer Complaint Profile
Richland Holdings, Inc.
113 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 113
- Total complaints
- 13
- Last 12 months
- 76.1%
- Timely response
- 16
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Richland Holdings, Inc. sits at #1258, with 113 complaints logged. Its on-time response rate is 76.1%, trailing the 93% median among companies with 100+ complaints.
- #1258
- of 3,848 companies by volume
- 76.1%
- answered on time
- Debt collection
- most-complained product
- 16
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 1 |
| 2015 | 5 |
| 2016 | 4 |
| 2017 | 9 |
| 2018 | 12 |
| 2019 | 8 |
| 2020 | 13 |
| 2021 | 7 |
| 2022 | 11 |
| 2023 | 15 |
| 2024 | 10 |
| 2025 | 13 |
| 2026 | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Richland Holdings, Inc.
The CFPB Consumer Complaint Database has logged 113 complaints against Richland Holdings, Inc. overall, with 13 of those filed in the trailing 12 months. Reports have come from consumers in 16 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
76.1% of CFPB-forwarded complaints against Richland Holdings, Inc. get a reply inside the Bureau's 15-day window. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. The company's response was formally disputed in 30.8% of resolved cases, indicating how frequently the initial fix fell short. 0.9% of resolved complaints ended with some monetary or non-monetary relief for the consumer.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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 Richland Holdings, Inc. have?
Richland Holdings, Inc. has 113 total consumer complaints filed with the CFPB, with 13 filed in the last 12 months.
Does Richland Holdings, Inc. respond to complaints on time?
Richland Holdings, Inc. has a 76.1% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Richland Holdings, Inc.?
"Debt collection" draws more CFPB complaints against Richland Holdings, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Richland Holdings, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Richland Holdings, Inc.; the full issue list with counts is above.
How do I file a complaint against Richland Holdings, Inc.?
You can file a complaint against Richland Holdings, 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 Richland Holdings, Inc.?
The CFPB has recorded complaints against Richland Holdings, Inc. from 16 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~113)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.