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 to exclude noise) 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/

Worst 10 by timely response rate

RankCompanyTimely ResponseTotal ComplaintsDisputed Pct
1 Servicer under contract with Federal Student Aid
0.0%
4,105 -
2 Mobiloans, LLC
0.0%
843 0.0%
3 Accscient, LLC
0.0%
221 -
4 A & O Recovery Solutions, LLC
0.0%
183 0.0%
5 IPAC'S Inc.
0.5%
191 0.0%
6 Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
4.3%
231 -
7 Marauder Corporation
5.7%
265 18.6%
8 Cooley Enterprises Inc
7.0%
129 35.7%
9 Telerecovery Corporation
7.6%
314 8.3%
10 Ameritech Financial
9.2%
217 -

Companies ranked 11-50

RankCompanyTimely ResponseTotal Complaints
11 Credit Collections U.S.A., L.L.C. 12.6% 182
12 Manhattan Beach Venture, LLC 12.7% 157
13 High Point Asset Inc 13.3% 143
14 The Thomas Agency, Inc. 15.0% 213
15 ROC Asset Solutions, LLC 24.3% 111
16 Diversified Acceptance Corporation 24.5% 102
17 Pinnacle Asset Management, LLC 24.5% 102
18 Green Square Company LLC. 27.1% 229
19 Sunnova Energy Corporation 27.8% 115
20 Concord Resolution Inc (Closed) 28.2% 124
21 On-Site Manager, Inc. 28.8% 125
22 Novo Platform Inc. 29.0% 124
23 Integrated Recovery Services 29.2% 209
24 Porania, LLC 29.7% 182
25 State Home Mortgage 32.0% 128
26 Williams, Rush & Associates, LLC 35.9% 463
27 Global Recovery Group 36.1% 122
28 Rent Recover, LLC 37.4% 147
29 Credit Card Acquisitions Group 37.6% 258
30 KLS Financial Services, Inc 37.7% 308
31 Critical Resolution Mediation LLC 39.8% 108
32 AmerAssist A/R Solutions, Inc. 41.2% 575
33 Financial Accounts Service Team Inc. 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, LLC 45.4% 196
38 Weinberg Mediation Group LLC 45.7% 105
39 Nelson Cruz & Associates LLC 46.0% 341
40 Commercial Recovery Systems 46.3% 214
41 D. Scott Carruthers 47.0% 168
42 Premier Student Loan Center 50.0% 228
43 Entrata Inc. 50.5% 283
44 Bilt Technologies, Inc. 53.9% 284
45 Global Solution Biz LLC. 54.3% 127
46 Innovate Managed Holdings, LLC 55.3% 208
47 Worldwide Processing Group, LLC 55.5% 164
48 APEX Asset Management, LLC 56.0% 200
49 Direct Recovery Services, LLC 56.1% 433
50 Profit Services Group 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.