Total CFPB complaints
511
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 511 complaints
Focus Holding Company — Debt Collector Complaint Profile
CFPB complaint profile across 45 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Focus Holding Company
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
265 complaints
- Communication tactics 82
Communication tactics
82 complaints
- Disclosure verification of debt 49
Disclosure verification of debt
49 complaints
- Attempts to collect debt not owed 32
Attempts to collect debt not owed
32 complaints
- False statements or representation 16
False statements or representation
16 complaints
- Written notification about debt 13
Written notification about debt
13 complaints
D
Grade D · 54.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Focus Holding Company?
Focus Holding Company has accumulated 511 total CFPB complaints across 45 states, with 0 filed in the most recent 12 months against 511 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 85% timely-response rate against a 10% 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 45 states, led by California with 79 and Texas with 53, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.1/100 places Focus Holding Company 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
0
0.0% of total history
Stable →
States active
45
Distinct state filings
Timely response rate
85%
Within CFPB SLA window
Consumer disputes
10%
After company response
Reputation grade
D
54.1/100 composite
Response-quality profile
How Focus Holding Company performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 84.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 19.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 80.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Focus Holding Company compare to its peers?
Focus Holding Company 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)
2017-04 2019-10
Top Consumer Issues
Cont'd attempts collect debt not owed265 (%)
Communication tactics82 (%)
Disclosure verification of debt49 (%)
Attempts to collect debt not owed32 (%)
False statements or representation16 (%)
Written notification about debt13 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 204 |
| Communication tactics | Frequent or repeated calls | 82 |
| Cont'd attempts collect debt not owed | Debt was paid | 50 |
| Disclosure verification of debt | Not given enough info to verify debt | 26 |
| Disclosure verification of debt | Right to dispute notice not received | 23 |
| Attempts to collect debt not owed | Debt is not yours | 17 |
| False statements or representation | Attempted to collect wrong amount | 16 |
| Attempts to collect debt not owed | Debt was paid | 15 |
| Written notification about debt | Didn't receive enough information to verify debt | 13 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 11 |
Where do complaints against Focus Holding Company come from?
The states where consumers have filed the most CFPB complaints against Focus Holding Company. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Focus Holding Company
Across 45 states with at least one filing
- California
California
79 complaints
- Texas
Texas
53 complaints
- New York
New York
46 complaints
- Florida
Florida
34 complaints
- Illinois 25
Illinois
25 complaints
- Massachusetts 21
Massachusetts
21 complaints
- North Carolina 18
North Carolina
18 complaints
- Tennessee 18
Tennessee
18 complaints
Frequently Asked Questions
What is the most common complaint against Focus Holding Company? ▼
The most common issue consumers report about Focus Holding Company is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 511 complaints filed with the CFPB.
Are complaints against Focus Holding Company increasing or decreasing? ▼
Complaints against Focus Holding Company have been stable. The company received 0 complaints in the last 12 months.
What is Focus Holding Company's reputation grade? ▼
Focus Holding Company has a reputation grade of D (score: 54.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Focus Holding Company respond to consumer complaints? ▼
Focus Holding Company has a 85% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.
In how many states does Focus Holding Company operate? ▼
Focus Holding Company has received CFPB complaints from consumers in 45 states, with the most complaints from California (79 complaints).
What can I do if Focus Holding Company 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 Focus Holding Company 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 |