CFPB Consumer Complaint Profile

RS Clark and Associates, Inc.

638 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

638
Total complaints
147
Last 12 months
85.9%
Timely response
32
States affected

The verdict

638 CFPB complaints put RS Clark and Associates, Inc. at #440 out of 3,848 financial companies ranked by complaint volume. 85.9% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.

#440
of 3,848 companies by volume
85.9%
answered on time
Debt collection
most-complained product
32
states with complaints
RS Clark and Associates, Inc. timely response rate 85.9%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - I do not know 205
Debt collection - Other debt 126
Debt collection - Medical debt 90
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 57
Credit reporting or other personal consumer reports - Credit reporting 51
Debt collection - Medical 43
Debt collection - Other (i.e. phone, health club, etc.) 28
Debt collection - Rental debt 19
Debt collection - Credit card debt 6
Debt collection - Mortgage debt 4

Top Issues

1.Attempts to collect debt not owed 201
2.Written notification about debt 92
3.Incorrect information on your report 60
4.Cont'd attempts collect debt not owed 59
5.Took or threatened to take negative or legal action 58
6.False statements or representation 55
7.Communication tactics 28
8.Disclosure verification of debt 26
9.Improper use of your report 24
10.Problem with a credit reporting company's investigation into an existing problem 17

Complaints by Year

Year Complaints
2013 7
2014 26
2015 24
2016 33
2017 37
2018 38
2019 34
2020 33
2021 52
2022 43
2023 62
2024 76
2025 128
2026 45

Complaints by State (Top 15)

Texas 392
Georgia 65
Florida 37
North Carolina 16
Tennessee 14
California 13
South Carolina 10
Louisiana 9
Oklahoma 9
Mississippi 7
Illinois 6
Michigan 6
Missouri 6
Arkansas 6
Arizona 5

Company Responses

Closed with explanation 621
Closed with non-monetary relief 9
Closed 8

What the CFPB Complaint Record Shows for RS Clark and Associates, Inc.

RS Clark and Associates, Inc. carries 638 complaints in the CFPB's database, 147 of them filed within the past 12 months. Consumers spanning 32 states and territories have weighed in, giving this a multi-regional 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.

Within the Bureau's 15-day response window, RS Clark and Associates, Inc. answers 85.9% of forwarded complaints. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Consumers formally disputed the company's response in 25.7% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 1.4% closed with the consumer receiving monetary or non-monetary relief.

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 RS Clark and Associates, Inc. have?

638 complaints have been filed against RS Clark and Associates, Inc. with the CFPB overall - 147 of them in the past year.

Does RS Clark and Associates, Inc. respond to complaints on time?

RS Clark and Associates, Inc.'s CFPB timely-response rate is 85.9%.

What product generates the most complaints for RS Clark and Associates, Inc.?

The most complained-about product for RS Clark and Associates, Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with RS Clark and Associates, Inc.?

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against RS Clark and Associates, Inc. - see all issues and counts above.

How do I file a complaint against RS Clark and Associates, Inc.?

You can file a complaint against RS Clark and Associates, 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 RS Clark and Associates, Inc.?

RS Clark and Associates, Inc. has drawn CFPB complaints from 32 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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.