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Data / Consumer complaints / Ratchford Law Group, P.C.

Ratchford Law Group, P.C.: 67 CFPB consumer complaints in the last 3 years

Ratchford Law Group, P.C. drew 67 consumer complaints in the CFPB database in the three years to November 6, 2026, and 72 since 2022. The largest group, 57, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 18. The company responded on time to 82.1% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every debt collection companyGet debt collection in Pennsylvania
  • 67Complaints, last 3 years
  • 72Complaints, all years
  • 82.1%Responded on time
  • 0.0%Closed with relief
  • 6Products
  • Oct 23, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 625
202529
202412
20235
20221

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection5785.1%
Credit reporting or other personal consumer reports57.5%
Student loan23%
Credit card11.5%
Debt or credit management11.5%
Payday loan, title loan, personal loan, or advance loan11.5%

Issues

IssueComplaintsShare
Attempts to collect debt not owed1826.9%
False statements or representation1420.9%
Written notification about debt1116.4%
Took or threatened to take negative or legal action1014.9%
Incorrect information on your report34.5%
Improper use of your report23%
Threatened to contact someone or share information improperly23%
Communication tactics11.5%
Dealing with your lender or servicer11.5%
Electronic communications11.5%
Problem with a company's investigation into an existing problem11.5%
Problem with customer service11.5%
Struggling to pay your loan11.5%
Struggling to repay your loan11.5%

How the company responded

Company responseComplaintsShare
Closed with explanation67100%

States

StateComplaintsShare
Pennsylvania3349.3%
Massachusetts1725.4%
Connecticut57.5%
Rhode Island57.5%
District of Columbia23%
New Hampshire23%
Maine11.5%
New Jersey11.5%
New York11.5%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 23, 2026Debt or credit managementProblem with customer serviceClosed with explanationconsumerfinance.gov
October 12, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 28, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 13, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 13, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 12, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 11, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
July 13, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 17, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
June 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 28, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 21, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 5, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 13, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 3, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
March 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 5, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 3, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 20, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
February 16, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
January 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
January 24, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
December 31, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
December 14, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
December 11, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
November 5, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 13, 2025Credit cardImproper use of your reportClosed with explanationconsumerfinance.gov
August 19, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 15, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 8, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 7, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 5, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 4, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 15, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 15, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 15, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 13, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 3, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 31, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 22, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
March 17, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 13, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 11, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 10, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 10, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 7, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 2, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.