This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 2,485 complaints

EOS Holdings, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade D.

Complaints by issue type

What consumers report about EOS Holdings, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record eos-holdings-inc EOS Holdings, Inc.

Grade D · 2,485 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #67 · compose #305

  • VOL 2,485
  • GRADE D
  • 12MO 3
  • STATES 52
  • TIMELY 100%
  • DISPUTE 19%
  • ISSUE Attempts to collect debt n…
  • RANK #67
  • COMPOSE #305

Volume peers

Nearest volume peer: Central Portfolio Control Inc. (2,476 complaints)

Credit Acceptance CorporationCredit Acceptance Corporation2,440Phoenix Financial Services LLCPhoenix Financial Services L…2,465Central Portfolio Control Inc.Central Portfolio Control In…2,476EOS Holdings, Inc. (this)EOS Holdings, Inc. (this)2,485Debt Recovery Solutions, LLCDebt Recovery Solutions, LLC2,500
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

EOS Holdings, Inc.'s 2,485 CFPB complaints sit next to Central Portfolio Control Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 2,485 complaints break down

Every complaint issue type on record for EOS Holdings, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.3/100
EOS Holdings, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
2,485
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
19%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

EOS Holdings, Inc. spreads filings across 52 states - California leads at only 13.1%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
California still leads at 13.1% across 52 states
Even monthly load
Peak under 8%
Highest month 2019-09 at 7.2% (35 filings)
Corpus ranks
#67 volume
#305 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does EOS Holdings, Inc. compare to its peers?

How does EOS Holdings, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
EOS Holdings, Inc. National average
Complaints (last 12 mo)lower is better
3
1,229
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
19%
12%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy EOS Holdings, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 97%98%99%100%101% 5%10%15%20%25% Timely response rate (%) Dispute rate (%) EOS Holdings, Inc. vs. 9 similar-volume peers, by response speed and dispute rate EOS Holdings, Inc.Central Portfolio Control Inc.Debt Recovery Solutions, LLCPhoenix Financial Services LLCCREDIT ACCEPTANCE CORPORATIONMedical Data Systems, Inc.ALLY FINANCIAL INC.The CMI Group, Inc.MRS BPO, LLCV and H Portfolio
Source: CFPB Consumer Complaint Database

EOS Holdings, Inc.'s complaint volume in context

EOS Holdings, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

2,485 Top 1% higher than 99% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. EOS Holdings, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2018-10 2020-09

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
761
Cont'd attempts collect debt not owed
583
Written notification about debt
376
Communication tactics
221
False statements or representation
216
Disclosure verification of debt
182
Took or threatened to take negative or legal action
71
Improper contact or sharing of info
50
Taking/threatening an illegal action
18
Threatened to contact someone or share information improperly
7

Where do complaints against EOS Holdings, Inc. come from?

EOS Holdings, Inc.'s own per-state count, not a national baseline.

Top states by complaints against EOS Holdings, Inc.

Across 52 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for EOS Holdings, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 2,485.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.5575221238938%.

4 peers

Know your rights before responding to EOS Holdings, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.