Rubin & Rothman, LLC

CFPB Consumer Complaint Profile

346
Total Complaints
98
Last 12 Months
100%
Timely Response
16
States Affected
Rubin & Rothman, LLC timely response rate 100.0%
Industry benchmark

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

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — Credit card debt 176
Debt collection — I do not know 58
Debt collection — Credit card 27
Debt collection — Auto debt 26
Debt collection — Auto 15
Debt collection — Other (i.e. phone, health club, etc.) 10
Debt collection — Other debt 7
Credit reporting or other personal consumer reports — Credit reporting 6
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 6
Credit card — General-purpose credit card or charge card 3

Top Issues

1.Took or threatened to take negative or legal action 77
2.Attempts to collect debt not owed 70
3.Written notification about debt 52
4.False statements or representation 50
5.Disclosure verification of debt 16
6.Taking/threatening an illegal action 14
7.Threatened to contact someone or share information improperly 13
8.Communication tactics 11
9.Cont'd attempts collect debt not owed 10
10.Improper contact or sharing of info 9

Complaints by Year

Year Complaints
2013 12
2014 22
2015 16
2016 14
2017 15
2018 12
2019 21
2020 10
2021 14
2022 19
2023 24
2024 48
2025 105
2026 14

Complaints by State (Top 15)

New York 220
New Jersey 49
Connecticut 34
Massachusetts 13
Maine 8
Pennsylvania 5
North Carolina 3
New Hampshire 3
Florida 2
District of Columbia 1
California 1
Michigan 1
Texas 1
Virginia 1
Tennessee 1

Company Responses

Closed with explanation 306
Closed with non-monetary relief 37
Closed with monetary relief 2
In progress 1

What the CFPB Complaint Record Shows for Rubin & Rothman, LLC

The CFPB Consumer Complaint Database has logged 346 complaints against Rubin & Rothman, LLC overall, with 98 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. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Took or threatened to take negative or legal action" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Rubin & Rothman, LLC's timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Consumers formally disputed the company's response in 17.9% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 11.3% closed with some form of monetary or non-monetary relief to the consumer.

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 Rubin & Rothman, LLC have?

Rubin & Rothman, LLC has 346 total consumer complaints filed with the CFPB, with 98 filed in the last 12 months.

Does Rubin & Rothman, LLC respond to complaints on time?

Rubin & Rothman, LLC has a 100% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Rubin & Rothman, LLC?

The most complained-about product for Rubin & Rothman, LLC is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Rubin & Rothman, LLC?

The most common issue reported by consumers about Rubin & Rothman, LLC is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.

How do I file a complaint against Rubin & Rothman, LLC?

You can file a complaint against Rubin & Rothman, LLC 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 Rubin & Rothman, LLC?

Consumers in 16 states and territories have filed complaints about Rubin & Rothman, LLC with the CFPB.

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

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