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%	3,440	—	Directional
2	Mobiloans, Llc	0.0%	664	—	Directional
3	Amerassist A/R Solutions, Inc.	39.8%	437	—	Directional
4	Fidelity Capital Holdings, Inc	44.9%	486	—	Directional
5	Direct Recovery Services, Llc	55.9%	431	—	Directional
6	Conduent Incorporated	67.0%	2,170	—	Directional
7	Capital Accounts, Llc	67.6%	1,202	—	Directional
8	The Phoenix Recovery Group	68.5%	447	—	Directional
9	First Advantage Lns Inc.	68.8%	493	—	Directional
10	Westcreek Financial	68.9%	665	—	Directional
11	Edfinancial Services	68.9%	5,512	—	Directional
12	P&B Capital Group, Llc	70.4%	456	—	Directional
13	Residentcollect, Inc.	71.3%	599	—	Directional
14	Platinum Holdings Group, Llc	71.7%	452	—	Directional
15	Hovg, Llc	71.7%	640	—	Directional
16	Bilt Technologies, Inc.	71.9%	431	—	Directional
17	Mohela	73.6%	20,535	—	Directional
18	Riverwalk Financial Corporation	75.2%	487	—	Directional
19	Rent Recovery Solutions	75.3%	2,259	—	Directional
20	Professional Recovery Management	75.7%	867	—	Directional
21	Solar Mosaic Llc	76.6%	717	—	Directional
22	Incomm Holdings Inc.	77.2%	3,234	—	Directional
23	Trident Asset Management, L.L.C.	77.3%	1,042	—	Directional
24	Colony Brands, Inc.	77.9%	1,512	—	Directional
25	Professional Debt Mediation, Inc.	78.4%	1,656	—	Directional
26	Residential Credit Solutions, Inc.	78.6%	808	—	Directional
27	1st Franklin Financial Corporation	80.5%	436	—	Directional
28	Collection Bureau Of America Ltd.	80.8%	761	—	Directional
29	Midwest Recovery Systems	81.8%	1,600	—	Directional
30	Atlantic Recovery Solutions Llc	81.9%	448	—	Directional
31	Aqua Finance, Inc.	82.3%	564	—	Directional
32	Aspen Yo Llc	83.8%	458	—	Directional
33	Ccs Financial Services, Inc.	83.9%	20,440	—	Directional
34	Focus Holding Company	84.6%	514	—	Directional
35	Bliksum, Llc	84.7%	555	—	Directional
36	Tmx Finance Llc	84.8%	1,210	—	Directional
37	Kbr Inc Dba Rash Curtis & Associates	84.8%	606	—	Directional
38	Plusfour, Inc	85.2%	420	—	Directional
39	Rs Clark And Associates, Inc.	85.3%	538	—	Directional
40	Amcol Systems, Inc.	85.4%	636	—	Directional
41	Robinhood Markets Inc.	85.8%	4,133	—	Directional
42	Prince Parker & Associates	86.6%	485	—	Directional
43	Tesla, Inc.	87.0%	524	—	Directional
44	Google Compare Credit Cards Inc.	87.2%	1,158	—	Directional
45	California Business Bureau, Inc.	87.3%	408	—	Directional
46	Carter-Young, Inc.	87.3%	747	—	Directional
47	Statebridge Company	87.3%	758	—	Directional
48	Ria Envia, Llc	87.4%	446	—	Directional
49	Tenet Healthcare Corporation	88.1%	1,203	—	Directional
50	Optimum Outcomes, Inc.	88.1%	589	—	Directional
51	Harvard Collections, Llc	88.4%	640	—	Directional
52	Hillcrest Davidson & Associates	88.7%	469	—	Directional
53	Rosebud Economic Development Corporation	88.8%	587	—	Directional
54	American Credit Acceptance, Llc	88.9%	1,963	—	Directional
55	Bam Management Us Holdings Inc.	89.3%	828	—	Directional
56	Lending Club Corp	89.4%	979	—	Directional
57	Greensky, Llc	89.7%	562	—	Directional
58	Procollect, Inc.	90.0%	4,660	—	Directional
59	Patient Accounting Service Center	90.1%	436	—	Directional
60	Klarna Ab	90.2%	1,715	—	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%	1,064	—	Directional
66	First Technology Federal Credit Union	91.1%	671	—	Directional
67	Retrieval-Masters Creditors Bureau, Inc., Elmsford, Ny Branch	91.1%	709	—	Directional
68	Reverse Mortgage Solutions, Inc.	91.2%	545	—	Directional
69	Credit Protection Association, L.P.	91.3%	984	—	Directional
70	Atlanticus Services Corporation	91.5%	3,279	—	Directional
71	Wakefield & Associates, Inc.	91.5%	2,264	—	Directional
72	Genesis Lending	91.5%	508	—	Directional
73	Financial Credit Service, Inc.	91.7%	653	—	Directional
74	Meridian Financial Services, Inc.	92.0%	463	—	Directional
75	Asset Recovery Solutions, Llc	92.1%	542	—	Directional
76	Risecredit, Llc	92.1%	581	—	Directional
77	Microbilt / Prbc (Formerly Cl Verify)	92.2%	1,835	0.00	Directional
78	Alorica Inc.	92.3%	1,407	—	Directional
79	Army And Air Force Exchange Service	92.5%	1,301	—	Directional
80	Sezzle Inc.	92.6%	623	—	Directional
81	Financial Business And Consumer Solutions.	92.9%	504	—	Directional
82	Transferwise Ltd	93.1%	1,874	—	Directional
83	Hcfs Healthcare Financial Services Of Teamhealth	93.1%	3,332	—	Directional
84	First Data Corporation	93.1%	1,035	—	Directional
85	Finco Services Inc Dba Current	93.2%	1,754	—	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%	775	—	Directional
89	Egl Us, Llc	93.7%	429	—	Directional
90	Sn Servicing Corporation	94.0%	882	—	Directional
91	Community Choice Financial, Inc.	94.0%	1,118	—	Directional
92	Clgf Holdco 1, Llc	94.1%	4,279	—	Directional
93	Moneylion Inc.	94.1%	2,212	—	Directional
94	Adler Wallach & Associates, Inc.	94.1%	935	—	Directional
95	Uscb, Inc.	94.2%	598	—	Directional
96	Aargon Agency, Inc.	94.3%	2,506	—	Directional
97	Cit Bank, National Association	94.5%	2,143	—	Directional
98	First Advantage Corporation	94.5%	1,574	0.00	Directional
99	Patenaude & Felix A Professional Corporation	94.6%	424	—	Directional
100	Cmre Financial Services, Inc.	94.6%	1,770	—	Directional

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

ComplaintRate.com is an independent data publisher and is not affiliated with, endorsed by, or sponsored by any U.S. federal agency.