Timely Response Rates · CFPB 15-Day Standard

Banks that fail to respond to federal complaints.

Name: ComplaintRate Worst CFPB Response Rate Rankings
Creator: ComplaintRate

When consumers file complaints with the CFPB, institutions are required to respond within 15 days. The timely response rate measures compliance with this requirement. A rate below 90% means the institution regularly fails to respond on time — treating the federal complaint process as optional.

Note on timely_response_rate. This column is stored as a percentage (e.g. 99.5 = 99.5%). Institutions with fewer than 25 total complaints are excluded to prevent small sample sizes distorting the ranking.

100

institutions shown

57

below 90% threshold

0.0%

lowest response rate

15 days

CFPB required window

Rank	Institution	Response Rate	Complaints	Rate /1k	Confidence
1	Servicer Under Contract With Federal Student Aid	0.0%	3,835	—	Directional
2	Mobiloans, Llc	0.0%	688	—	Directional
3	Amerassist A/R Solutions, Inc.	39.8%	437	—	Directional
4	Fidelity Capital Holdings, Inc	44.8%	489	—	Directional
5	Direct Recovery Services, Llc	55.9%	431	—	Directional
6	Conduent Incorporated	67.1%	2,171	—	Directional
7	Capital Accounts, Llc	67.3%	1,208	—	Directional
8	The Phoenix Recovery Group	68.5%	447	—	Directional
9	First Advantage Lns Inc.	68.8%	493	—	Directional
10	Westcreek Financial	69.4%	686	—	Directional
11	P&B Capital Group, Llc	70.4%	456	—	Directional
12	Residentcollect, Inc.	71.3%	599	—	Directional
13	Edfinancial Services	71.5%	6,285	—	Directional
14	Platinum Holdings Group, Llc	71.7%	452	—	Directional
15	Hovg, Llc	71.7%	640	—	Directional
16	Bilt Technologies, Inc.	72.0%	432	—	Directional
17	Mohela	72.6%	21,949	—	Directional
18	Rent Recovery Solutions	75.2%	2,262	—	Directional
19	Riverwalk Financial Corporation	75.4%	496	—	Directional
20	Professional Recovery Management	75.7%	867	—	Directional
21	Solar Mosaic Llc	76.2%	736	—	Directional
22	Incomm Holdings Inc.	77.2%	3,234	—	Directional
23	Trident Asset Management, L.L.C.	77.4%	1,046	—	Directional
24	Colony Brands, Inc.	78.2%	1,589	—	Directional
25	Professional Debt Mediation, Inc.	78.4%	1,656	—	Directional
26	Residential Credit Solutions, Inc.	78.6%	809	—	Directional
27	Plusfour, Inc	79.4%	452	—	Directional
28	1st Franklin Financial Corporation	80.5%	436	—	Directional
29	Collection Bureau Of America Ltd.	80.8%	761	—	Directional
30	Midwest Recovery Systems	81.9%	1,610	—	Directional
31	Atlantic Recovery Solutions Llc	81.9%	448	—	Directional
32	Aqua Finance, Inc.	82.0%	585	—	Directional
33	Ccs Financial Services, Inc.	83.9%	20,452	—	Directional
34	Aspen Yo Llc	84.0%	461	—	Directional
35	Bliksum, Llc	84.2%	575	—	Directional
36	Focus Holding Company	84.6%	514	—	Directional
37	Tmx Finance Llc	84.8%	1,215	—	Directional
38	Kbr Inc Dba Rash Curtis & Associates	84.8%	607	—	Directional
39	Rs Clark And Associates, Inc.	85.3%	539	—	Directional
40	Amcol Systems, Inc.	85.4%	636	—	Directional
41	Robinhood Markets Inc.	85.8%	4,142	—	Directional
42	Prince Parker & Associates	86.6%	485	—	Directional
43	Google Compare Credit Cards Inc.	87.2%	1,158	—	Directional
44	Tesla, Inc.	87.2%	533	—	Directional
45	California Business Bureau, Inc.	87.3%	408	—	Directional
46	Carter-Young, Inc.	87.3%	747	—	Directional
47	Ria Envia, Llc	87.4%	446	—	Directional
48	Statebridge Company	87.5%	770	—	Directional
49	Tenet Healthcare Corporation	88.1%	1,203	—	Directional
50	Optimum Outcomes, Inc.	88.1%	589	—	Directional
51	Harvard Collections, Llc	88.5%	641	—	Directional
52	Hillcrest Davidson & Associates	88.7%	469	—	Directional
53	Lending Club Corp	88.8%	1,054	—	Directional
54	Rosebud Economic Development Corporation	88.8%	591	—	Directional
55	American Credit Acceptance, Llc	88.9%	2,105	—	Directional
56	Bam Management Us Holdings Inc.	89.3%	828	—	Directional
57	Greensky, Llc	89.8%	580	—	Directional
58	Procollect, Inc.	90.0%	4,660	—	Directional
59	Patient Accounting Service Center	90.1%	436	—	Directional
60	Klarna Ab	90.2%	1,742	—	Directional
61	Strategic Alliances, Inc.	90.2%	551	—	Directional
62	Ncc Business Services, Inc.	90.3%	771	—	Directional
63	John C. Heath, Attorney At Law, Pllc	90.8%	1,069	—	Directional
64	Duncan Solutions, Lnc.	91.0%	476	—	Directional
65	Real Time Group, Inc.	91.0%	1,071	—	Directional
66	Retrieval-Masters Creditors Bureau, Inc., Elmsford, Ny Branch	91.1%	709	—	Directional
67	Reverse Mortgage Solutions, Inc.	91.2%	545	—	Directional
68	Credit Protection Association, L.P.	91.3%	984	—	Directional
69	First Technology Federal Credit Union	91.3%	699	—	Directional
70	Atlanticus Services Corporation	91.5%	3,439	—	Directional
71	Wakefield & Associates, Inc.	91.5%	2,266	—	Directional
72	Genesis Lending	91.5%	508	—	Directional
73	Financial Credit Service, Inc.	91.7%	653	—	Directional
74	Meridian Financial Services, Inc.	92.0%	465	—	Directional
75	Asset Recovery Solutions, Llc	92.1%	543	—	Directional
76	Alorica Inc.	92.1%	1,440	—	Directional
77	Microbilt / Prbc (Formerly Cl Verify)	92.2%	1,835	0.00	Directional
78	Risecredit, Llc	92.4%	615	—	Directional
79	Sezzle Inc.	92.4%	657	—	Directional
80	Army And Air Force Exchange Service	92.6%	1,393	—	Directional
81	Financial Business And Consumer Solutions.	92.7%	507	—	Directional
82	Hcfs Healthcare Financial Services Of Teamhealth	93.0%	3,334	—	Directional
83	Transferwise Ltd	93.1%	1,874	—	Directional
84	First Data Corporation	93.1%	1,035	—	Directional
85	Finco Services Inc Dba Current	93.2%	1,767	—	Directional
86	Receivables Management Partners, Llc	93.3%	1,608	—	Directional
87	Nationwide Recovery Systems, Ltd	93.3%	511	—	Directional
88	Southwest Recovery Services, Inc.	93.7%	777	—	Directional
89	Egl Us, Llc	93.7%	429	—	Directional
90	Community Choice Financial, Inc.	93.9%	1,131	—	Directional
91	Clgf Holdco 1, Llc	93.9%	4,618	—	Directional
92	Moneylion Inc.	94.0%	2,332	—	Directional
93	Sn Servicing Corporation	94.1%	892	—	Directional
94	Adler Wallach & Associates, Inc.	94.1%	937	—	Directional
95	Uscb, Inc.	94.2%	598	—	Directional
96	Aargon Agency, Inc.	94.3%	2,507	—	Directional
97	Cit Bank, National Association	94.5%	2,156	—	Directional
98	First Advantage Corporation	94.5%	1,574	0.00	Directional
99	Cmre Financial Services, Inc.	94.6%	1,771	—	Directional
100	Simm Associates, Inc.	94.7%	527	—	Directional

Source: CFPB Consumer Complaint Database, March 2026 snapshot. Timely response rate = percentage of complaints receiving institution response within 15 days. Minimum 25 complaints required for inclusion. CFPB data source →

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