Total CFPB complaints
2,486
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 2,486 complaints
EOS Holdings, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about EOS Holdings, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
740 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
543 complaints
- Written notification about debt
Written notification about debt
365 complaints
- False statements or representation 190
False statements or representation
190 complaints
- Communication tactics 141
Communication tactics
141 complaints
- Disclosure verification of debt 118
Disclosure verification of debt
118 complaints
D
Grade D · 55.5/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about EOS Holdings, Inc.?
EOS Holdings, Inc. has accumulated 2,486 total CFPB complaints across 52 states, with 3 filed in the most recent 12 months against 2,483 historical complaints before that window. The trailing-12-month volume represents 0.1% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 100% timely-response rate against a 19% 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 52 states, led by California with 325 and New York with 318, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.5/100 places EOS Holdings, Inc. 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
3
0.1% of total history
Falling ↓
States active
52
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
D
55.5/100 composite
Response-quality profile
How EOS Holdings, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 38.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 92.9%
Share of US states + territories with at least one filed complaint against this collector.
How does EOS Holdings, Inc. compare to its peers?
EOS Holdings, Inc. 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)
2022-07 2026-03
Top Consumer Issues
Attempts to collect debt not owed740 (%)
Cont'd attempts collect debt not owed543 (%)
Written notification about debt365 (%)
False statements or representation190 (%)
Communication tactics141 (%)
Disclosure verification of debt118 (%)
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 | 441 |
| Cont'd attempts collect debt not owed | Debt is not mine | 423 |
| Written notification about debt | Didn't receive enough information to verify debt | 278 |
| False statements or representation | Attempted to collect wrong amount | 190 |
| Attempts to collect debt not owed | Debt was result of identity theft | 150 |
| Attempts to collect debt not owed | Debt was paid | 149 |
| Communication tactics | Frequent or repeated calls | 141 |
| Cont'd attempts collect debt not owed | Debt was paid | 120 |
| Disclosure verification of debt | Not given enough info to verify debt | 118 |
| Written notification about debt | Didn't receive notice of right to dispute | 87 |
Where do complaints against EOS Holdings, Inc. come from?
The states where consumers have filed the most CFPB complaints against EOS Holdings, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against EOS Holdings, Inc.
Across 52 states with at least one filing
- California
California
325 complaints
- New York
New York
318 complaints
- Pennsylvania
Pennsylvania
215 complaints
- New Jersey
New Jersey
161 complaints
- Texas
Texas
149 complaints
- Florida
Florida
149 complaints
- Maryland 109
Maryland
109 complaints
- Virginia 102
Virginia
102 complaints
Frequently Asked Questions
What is the most common complaint against EOS Holdings, Inc.? ▼
The most common issue consumers report about EOS Holdings, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 2,486 complaints filed with the CFPB.
Are complaints against EOS Holdings, Inc. increasing or decreasing? ▼
Complaints against EOS Holdings, Inc. are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.
What is EOS Holdings, Inc.'s reputation grade? ▼
EOS Holdings, Inc. has a reputation grade of D (score: 55.5/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does EOS Holdings, Inc. respond to consumer complaints? ▼
EOS Holdings, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.
In how many states does EOS Holdings, Inc. operate? ▼
EOS Holdings, Inc. has received CFPB complaints from consumers in 52 states, with the most complaints from California (325 complaints).
What can I do if EOS Holdings, Inc. 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 EOS Holdings, Inc. 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 |