CFPB Consumer Complaint Profile
RMA Credit Association
What 46 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 46
- Total complaints
- Mid-range
- 7
- Last 12 months
- 95.7%
- Timely response
- Below median
- 2
- States affected
The verdict
46 CFPB complaints put RMA Credit Association at #1915 out of 3,843 financial companies ranked by complaint volume. It posts a 95.7% on-time response rate, the 33rd percentile among companies with 100+ complaints.
- #1915
- of 3,843 companies by volume
- 95.7%
- on time (33rd pctile)
- Debt collection
- most-complained product
- 2
- 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.
RMA Credit Association vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
95.7% Around the middle higher than 33% 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
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 |
|---|---|
| 2013 | 1 |
| 2015 | 3 |
| 2016 | 1 |
| 2017 | 8 |
| 2018 | 2 |
| 2019 | 3 |
| 2020 | 4 |
| 2021 | 10 |
| 2022 | 4 |
| 2023 | 2 |
| 2024 | 1 |
| 2025 | 4 |
| 2026year in progress | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for RMA Credit Association
46 complaints against RMA Credit Association appear in the CFPB record, including 7 from the trailing year. The 2 states and territories represented put this footprint in geographically concentrated territory. "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.
CFPB-forwarded complaints against RMA Credit Association draw a 95.7% 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. Consumers formally disputed the company's response at a 42.9% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to 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, 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 RMA Credit Association have?
46 complaints have been filed against RMA Credit Association with the CFPB overall - 7 of them in the past year.
Does RMA Credit Association respond to complaints on time?
CFPB complaints against RMA Credit Association draw a 95.7% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for RMA Credit Association?
"Debt collection" draws more CFPB complaints against RMA Credit Association than any other product - see the full breakdown above.
What is the most common complaint issue with RMA Credit Association?
Consumers most often cite "Attempts to collect debt not owed" when complaining about RMA Credit Association; the full issue list with counts is above.
How do I file a complaint against RMA Credit Association?
You can file a complaint against RMA Credit Association 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 RMA Credit Association?
Consumers in 2 states and territories have filed complaints about RMA Credit Association with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for RMA Credit Association: 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 (42.9% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does RMA Credit Association have?
46 complaints have been filed against RMA Credit Association with the CFPB overall - 7 of them in the past year.
Does RMA Credit Association respond to complaints on time?
CFPB complaints against RMA Credit Association draw a 95.7% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for RMA Credit Association?
"Debt collection" draws more CFPB complaints against RMA Credit Association than any other product - see the full breakdown above.
What is the most common complaint issue with RMA Credit Association?
Consumers most often cite "Attempts to collect debt not owed" when complaining about RMA Credit Association; the full issue list with counts is above.
How do I file a complaint against RMA Credit Association?
You can file a complaint against RMA Credit Association 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 RMA Credit Association?
Consumers in 2 states and territories have filed complaints about RMA Credit Association with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.