Total CFPB complaints
1,358
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,358 complaints
BTH Management — Debt Collector Complaint Profile
CFPB complaint profile across 46 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about BTH Management
- Attempts to collect debt not owed
Attempts to collect debt not owed
556 complaints
- Written notification about debt
Written notification about debt
291 complaints
- Took or threatened to take negative or legal action 172
Took or threatened to take negative or legal action
172 complaints
- False statements or representation 170
False statements or representation
170 complaints
- Electronic communications 21
Electronic communications
21 complaints
- Threatened to contact someone or share information improperly 17
Threatened to contact someone or share information improperly
17 complaints
D
Grade D · 54.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about BTH Management?
BTH Management has accumulated 1,358 total CFPB complaints across 46 states, with 645 filed in the most recent 12 months against 713 historical complaints before that window. The trailing-12-month volume represents 47.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 23% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 46 states, led by Texas with 243 and Louisiana with 109, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.7/100 places BTH Management in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
645
47.5% of total history
Rising ↑
States active
46
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
23%
After company response
Reputation grade
D
54.7/100 composite
Response-quality profile
How BTH Management performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 45.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 82.1%
Share of US states + territories with at least one filed complaint against this collector.
How does BTH Management compare to its peers?
BTH Management National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed556 (%)
Written notification about debt291 (%)
Took or threatened to take negative or legal action172 (%)
False statements or representation170 (%)
Electronic communications21 (%)
Threatened to contact someone or share information improperly17 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 369 |
| Written notification about debt | Didn't receive enough information to verify debt | 205 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 172 |
| False statements or representation | Attempted to collect wrong amount | 170 |
| Attempts to collect debt not owed | Debt was result of identity theft | 141 |
| Written notification about debt | Didn't receive notice of right to dispute | 86 |
| Attempts to collect debt not owed | Debt was paid | 27 |
| Electronic communications | Frequent or repeated messages | 21 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 19 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 17 |
Where do complaints against BTH Management come from?
The states where consumers have filed the most CFPB complaints against BTH Management. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against BTH Management
Across 46 states with at least one filing
- Texas
Texas
243 complaints
- Louisiana
Louisiana
109 complaints
- Georgia
Georgia
106 complaints
- Ohio 90
Ohio
90 complaints
- Florida 88
Florida
88 complaints
- South Carolina 85
South Carolina
85 complaints
- California 75
California
75 complaints
- Tennessee 71
Tennessee
71 complaints
Frequently Asked Questions
What is the most common complaint against BTH Management? ▼
The most common issue consumers report about BTH Management is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,358 complaints filed with the CFPB.
Are complaints against BTH Management increasing or decreasing? ▼
Complaints against BTH Management are rising. The company received 645 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is BTH Management's reputation grade? ▼
BTH Management has a reputation grade of D (score: 54.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does BTH Management respond to consumer complaints? ▼
BTH Management has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 23% of cases.
In how many states does BTH Management operate? ▼
BTH Management has received CFPB complaints from consumers in 46 states, with the most complaints from Texas (243 complaints).
What can I do if BTH Management is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If BTH Management violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |