Debt collector · complaint record
R.T.R. Financial Services complaints
Filed under R.T.R. Financial Services, Inc.
Consumers have filed 94 complaints about R.T.R. Financial Services since 2018, 18 of them in the last 12 months (-28% on the year before). It answered 100% on time and closed 0% with relief for the customer. The most common problem is written notification about debt.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 94
- Last 12 months
- 18
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 2
- Rank
- #560 of 1,963
Since January 2018
-28% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 26, 2026
Most complained-about debt collectors
R.T.R. Financial Services complaints by month
The busiest month was October 2025 (6 complaints). Complaints in the last 12 months are down 28% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How R.T.R. Financial Services answered all time
- Closed with monetary relief11.1%
- Closed with explanation9398.9%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What R.T.R. Financial Services complaints are about
Top R.T.R. Financial Services problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 31
- Debt was paid 9
- Debt was result of identity theft 2
Where R.T.R. Financial Services complaints come from
Most complaints: New York (46), Florida (18), Texas (5), Virginia (4), New Jersey (4).
R.T.R. Financial Services compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | R.T.R. Financial ServicesDebt collection | - | 18 | - |
Compare side by side: R.T.R. Financial Services vs Green Square · R.T.R. Financial Services vs EMoneyUSA · R.T.R. Financial Services vs Mullooly Jeffrey Rooney & Flynn · R.T.R. Financial Services vs Credit World Services
What people say about R.T.R. Financial Services
All experiencesNo experiences with R.T.R. Financial Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest R.T.R. Financial Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 26, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 22, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Sep 25, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Sep 24, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Sep 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 22, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jun 22, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jun 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 25, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 19, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about R.T.R. Financial Services
How many complaints does R.T.R. Financial Services have?
R.T.R. Financial Services has 94 complaints on record since January 2018, including 18 in the last 12 months and 2 in the last 30 days. That makes it number 1,136 of every company by complaints this year.
Does R.T.R. Financial Services respond to complaints?
Yes. R.T.R. Financial Services answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with R.T.R. Financial Services?
The most common problems are written notification about debt (22), attempts to collect debt not owed (42), communication tactics (15).
Is R.T.R. Financial Services legit?
R.T.R. Financial Services is a real company with a public complaint record: consumers have complained about it 94 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is R.T.R. Financial Services legit? for the signals, red flags and how to protect yourself.
Are complaints about R.T.R. Financial Services going up or down?
Down. There were 18 complaints in the last 12 months against 25 in the 12 before (-28%). See every month.
How do I file a complaint against R.T.R. Financial Services?
Complain to R.T.R. Financial Services in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most R.T.R. Financial Services complaints come from?
Most come from New York (46), Florida (18), Texas (5). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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