Companies with Worst Customer Response Rate
The CFPB tracks whether companies respond to consumer complaints within the agency's tracked window. A company's timely response rate is the percentage of complaints they responded to in time. This ranking surfaces the 50 companies (filtered to those with ≥100 total complaints, which keeps only the smallest counts out; rows under 200 complaints are marked) with the LOWEST timely response rate. Low rates indicate operational delays in customer-complaint handling.Source: CFPB Consumer Complaint Database, https://www.consumerfinance.gov/data-research/consumer-complaints/
Small sample marks a company with fewer than 200 complaints; this ranking admits companies from 100. On so few complaints a single one moves the timely-response rate by 0.5 to 1 point, and the extreme end of the ranking fills with them: 5.5% of the 399 companies with 100 to 199 complaints have a timely-response rate of under 50%, against 2.0% of the 936 with 200 or more (Q1 2026 data). Small gaps in rank between neighbouring rows may not be meaningful. 0 in last 12 mo marks a company with no complaints in the last 12 months, so its timely-response rate describes earlier years only.
Worst 10 by timely response rate
| Rank | Company | Timely Response | Total Complaints | Disputed Pct |
|---|---|---|---|---|
| 1 | Servicer under contract with Federal Student Aid | 4,105 | - | |
| 2 | Mobiloans, LLC | 843 | 0.0% | |
| 3 | Accscient, LLC | 221 | - | |
| 4 | A & O Recovery Solutions, LLCSmall sample: Small sample: this rate rests on 183 complaints (fewer than 200). | 183 | 0.0% | |
| 5 | IPAC'S Inc.Small sample: Small sample: this rate rests on 191 complaints (fewer than 200). | 191 | 0.0% | |
| 6 | Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates | 231 | - | |
| 7 | Marauder Corporation | 265 | 18.6% | |
| 8 | Cooley Enterprises IncSmall sample: Small sample: this rate rests on 129 complaints (fewer than 200). | 129 | 35.7% | |
| 9 | Telerecovery Corporation | 314 | 8.3% | |
| 10 | Ameritech Financial 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 217 | - |
Companies ranked 11-50
| Rank | Company | Timely Response | Total Complaints |
|---|---|---|---|
| 11 | Credit Collections U.S.A., L.L.C.Small sample: Small sample: this rate rests on 182 complaints (fewer than 200). | 12.6% | 182 |
| 12 | Manhattan Beach Venture, LLCSmall sample: Small sample: this rate rests on 157 complaints (fewer than 200). | 12.7% | 157 |
| 13 | High Point Asset IncSmall sample: Small sample: this rate rests on 143 complaints (fewer than 200). | 13.3% | 143 |
| 14 | The Thomas Agency, Inc. | 15.0% | 213 |
| 15 | ROC Asset Solutions, LLCSmall sample: Small sample: this rate rests on 111 complaints (fewer than 200). 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 24.3% | 111 |
| 16 | Diversified Acceptance CorporationSmall sample: Small sample: this rate rests on 102 complaints (fewer than 200). | 24.5% | 102 |
| 17 | Pinnacle Asset Management, LLCSmall sample: Small sample: this rate rests on 102 complaints (fewer than 200). 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 24.5% | 102 |
| 18 | Green Square Company LLC. | 27.1% | 229 |
| 19 | Sunnova Energy CorporationSmall sample: Small sample: this rate rests on 115 complaints (fewer than 200). | 27.8% | 115 |
| 20 | Concord Resolution Inc (Closed)Small sample: Small sample: this rate rests on 124 complaints (fewer than 200). 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 28.2% | 124 |
| 21 | On-Site Manager, Inc.Small sample: Small sample: this rate rests on 125 complaints (fewer than 200). 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 28.8% | 125 |
| 22 | Novo Platform Inc.Small sample: Small sample: this rate rests on 124 complaints (fewer than 200). | 29.0% | 124 |
| 23 | Integrated Recovery Services 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 29.2% | 209 |
| 24 | Porania, LLCSmall sample: Small sample: this rate rests on 182 complaints (fewer than 200). | 29.7% | 182 |
| 25 | State Home MortgageSmall sample: Small sample: this rate rests on 128 complaints (fewer than 200). | 32.0% | 128 |
| 26 | Williams, Rush & Associates, LLC | 35.9% | 463 |
| 27 | Global Recovery GroupSmall sample: Small sample: this rate rests on 122 complaints (fewer than 200). 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 36.1% | 122 |
| 28 | Rent Recover, LLCSmall sample: Small sample: this rate rests on 147 complaints (fewer than 200). 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 37.4% | 147 |
| 29 | Credit Card Acquisitions Group | 37.6% | 258 |
| 30 | KLS Financial Services, Inc | 37.7% | 308 |
| 31 | Critical Resolution Mediation LLCSmall sample: Small sample: this rate rests on 108 complaints (fewer than 200). 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 39.8% | 108 |
| 32 | AmerAssist A/R Solutions, Inc. | 41.2% | 575 |
| 33 | Financial Accounts Service Team Inc.Small sample: Small sample: this rate rests on 144 complaints (fewer than 200). | 42.4% | 144 |
| 34 | Alchro Inc. | 42.9% | 266 |
| 35 | Fidelity Capital Holdings, Inc | 43.1% | 569 |
| 36 | Better Mortgage, Inc. | 44.6% | 359 |
| 37 | GMA Investments, LLCSmall sample: Small sample: this rate rests on 196 complaints (fewer than 200). | 45.4% | 196 |
| 38 | Weinberg Mediation Group LLCSmall sample: Small sample: this rate rests on 105 complaints (fewer than 200). 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 45.7% | 105 |
| 39 | Nelson Cruz & Associates LLC | 46.0% | 341 |
| 40 | Commercial Recovery Systems 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 46.3% | 214 |
| 41 | D. Scott CarruthersSmall sample: Small sample: this rate rests on 168 complaints (fewer than 200). 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 47.0% | 168 |
| 42 | Premier Student Loan Center 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 50.0% | 228 |
| 43 | Entrata Inc. | 50.5% | 283 |
| 44 | Bilt Technologies, Inc. | 53.9% | 284 |
| 45 | Global Solution Biz LLC.Small sample: Small sample: this rate rests on 127 complaints (fewer than 200). | 54.3% | 127 |
| 46 | Innovate Managed Holdings, LLC | 55.3% | 208 |
| 47 | Worldwide Processing Group, LLCSmall sample: Small sample: this rate rests on 164 complaints (fewer than 200). 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 55.5% | 164 |
| 48 | APEX Asset Management, LLC | 56.0% | 200 |
| 49 | Direct Recovery Services, LLC 0 in last 12 mo: No complaints in the last 12 months: this rate describes earlier years only. | 56.1% | 433 |
| 50 | Profit Services GroupSmall sample: Small sample: this rate rests on 198 complaints (fewer than 200). | 56.1% | 198 |
Methodology
Timely response percentages are pre-computed from the CFPB raw complaint dataset by the PlainCredit ETL pipeline and rendered live from the companies table at SSR time. CFPB classifies responses as "timely" when received within their tracked SLA window. Companies with fewer than 100 total complaints are excluded to reduce noise from small samples.Source: CFPB Consumer Complaint Database, https://www.consumerfinance.gov/data-research/consumer-complaints/
Caveats and Limitations
Timely response measures procedural compliance, not response quality or complaint resolution. A company can respond timely but unhelpfully, or late but substantively. Some companies dispute the CFPB's classification methodology. Mortgage servicers and debt collectors are over-represented in low-response-rate rankings, reflecting industry-specific patterns rather than universal company quality.