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 2026-08-14
- 638
- Total complaints
- Above average
- 147
- Last 12 months
- 85.9%
- Timely response
- Bottom quartile
- 32
- States affected
The verdict
638 CFPB complaints put RS Clark and Associates, Inc. at #439 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 85.9%, the 13th percentile for the 100+ complaint peer group.
- #439
- of 3,843 companies by volume
- 85.9%
- on time (13th pctile)
- Debt collection
- most-complained product
- 32
- states with complaints
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.
RS Clark and Associates, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
85.9% Among the lowest higher than 13% 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 76 in 2024 to 128 in 2025 (2024 → 2025).
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 |
|---|---|
| 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 |
| 2026year in progress | 45 |
Complaints by State (Top 15)
Company Responses
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. posts a 85.9% reply rate on 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 at a 25.7% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 1.4%.
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 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for RS Clark and Associates, 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 (25.7% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.