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

Data updated July 2026

D

Grade D · 55.5/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: EOS Holdings, Inc. ranks ahead of 27% of the 5,283 collectors PlainCollector grades - 73% keep a cleaner CFPB record, on 2,485 all-time complaints and a 100% timely-response rate.

27th pct
reputation rank of 5,283 graded collectors
2,485
CFPB complaints, all-time
100%
answered inside the CFPB window
3
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about EOS Holdings, Inc.?

EOS Holdings, Inc. has accumulated 2,485 total CFPB complaints across 52 states, with 3 filed in the most recent 12 months against 2,482 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". The company posts a 100% timely-response rate against a 19% consumer-dispute-after-response rate.

Complaints have been recorded across 52 states, led by California with 325 and New York with 317. Normalized against the full CFPB collector database, the reputation score of 55.5/100 places EOS Holdings, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

2,485

high-volume (CCDB)

Last 12 months

3

0.1% of all-time complaints

Falling ↓

States active

52

nationwide footprint

Timely response rate

100%

excellent band

Consumer disputes

19%

average (vertical avg ~19%)

Reputation grade

D

55.5/100 composite

How does EOS Holdings, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

55 27th percentile higher than 27% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

EOS Holdings, Inc. versus the debt-collection vertical average.

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) 19.2%
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?

How does EOS Holdings, Inc. compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2018-10 2020-09

Issue Detail Breakdown

Issue Sub-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

What to do if EOS Holdings, Inc. contacts you

A grade of D signals how EOS Holdings, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really EOS Holdings, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how EOS Holdings, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 2,485 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

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

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.