The Receivable Management Services LLC

CFPB Consumer Complaint Profile

1,679
Total Complaints
512
Last 12 Months
99.9%
Timely Response
52
States Affected
The Receivable Management Services LLC timely response rate 99.9%
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 — I do not know 628
Debt collection — Other debt 445
Credit reporting or other personal consumer reports — Credit reporting 195
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 134
Debt collection — Other (i.e. phone, health club, etc.) 75
Debt collection — Medical debt 68
Debt collection — Auto debt 41
Debt collection — Credit card debt 39
Debt collection — Medical 18
Debt collection — Telecommunications debt 10

Top Issues

1.Attempts to collect debt not owed 605
2.Written notification about debt 282
3.Incorrect information on your report 171
4.False statements or representation 143
5.Took or threatened to take negative or legal action 125
6.Improper use of your report 83
7.Communication tactics 79
8.Cont'd attempts collect debt not owed 76
9.Problem with a credit reporting company's investigation into an existing problem 40
10.Problem with a company's investigation into an existing problem 35

Complaints by Year

Year Complaints
2013 17
2014 23
2015 35
2016 31
2017 72
2018 72
2019 86
2020 102
2021 124
2022 125
2023 129
2024 245
2025 473
2026 145

Complaints by State (Top 15)

Texas 237
Florida 191
Georgia 134
California 101
Pennsylvania 95
South Carolina 83
Ohio 75
New Jersey 74
New York 72
Virginia 63
North Carolina 58
Michigan 47
Maryland 45
Illinois 44
Arizona 34

Company Responses

Closed with explanation 1,535
Closed with non-monetary relief 142
Closed with monetary relief 2

What the CFPB Complaint Record Shows for The Receivable Management Services LLC

The CFPB Consumer Complaint Database has logged 1,679 complaints against The Receivable Management Services LLC overall, with 512 of those filed in the trailing 12 months. Reports have come from consumers in 52 states and territories, making this a nationwide 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 "Attempts to collect debt not owed" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

The Receivable Management Services LLC's timely response rate stands at 99.9%, 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 12.9% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Of complaints that were resolved, 8.6% 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 The Receivable Management Services LLC have?

The Receivable Management Services LLC has 1,679 total consumer complaints filed with the CFPB, with 512 filed in the last 12 months.

Does The Receivable Management Services LLC respond to complaints on time?

The Receivable Management Services LLC has a 99.9% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for The Receivable Management Services LLC?

The most complained-about product for The Receivable Management Services LLC is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with The Receivable Management Services LLC?

The most common issue reported by consumers about The Receivable Management Services LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against The Receivable Management Services LLC?

You can file a complaint against The Receivable Management Services 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 The Receivable Management Services LLC?

Consumers in 52 states and territories have filed complaints about The Receivable Management Services LLC with the CFPB.

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

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