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

CFPB complaint data Grade D 511 complaints

Focus Holding Company - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade D.

Complaints by issue type

What consumers report about Focus Holding Company

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 54.1/100 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: Focus Holding Company ranks ahead of 23% of the 5,283 collectors PlainCollector grades - 77% keep a cleaner CFPB record, on 511 all-time complaints and a 85% timely-response rate.

23rd pct
reputation rank of 5,283 graded collectors
511
CFPB complaints, all-time
85%
answered inside the CFPB window
0
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 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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine". The company posts a 85% timely-response rate against a 10% consumer-dispute-after-response rate.

Complaints have been recorded across 45 states, led by California with 79 and Texas with 53. Normalized against the full CFPB collector database, the reputation score of 54.1/100 places Focus Holding Company in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

511

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

45

multi-region footprint

Timely response rate

85%

acceptable band

Consumer disputes

10%

low (vertical avg ~19%)

Reputation grade

D

54.1/100 composite

How does Focus Holding Company's reputation rank nationally?

Reputation score vs. every graded collector

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

54 Bottom 23% higher than 23% 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

Focus Holding Company versus the debt-collection vertical average.

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) 9.7%
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?

How does Focus Holding Company compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Focus Holding Company National average
Complaints (last 12 mo)lower is better
0
4
268
Timely-response ratehigher is better
85%
93%
91%
Consumer-dispute ratelower is better
10%
6%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Cont'd attempts collect debt not owed - 268
Communication tactics - 92
Disclosure verification of debt - 52
Attempts to collect debt not owed - 37
False statements or representation - 24
Written notification about debt - 19
Improper contact or sharing of info - 16
Took or threatened to take negative or legal action - 1
Threatened to contact someone or share information improperly - 1
Taking/threatening an illegal action - 1

Where do complaints against Focus Holding Company come from?

Focus Holding Company's own per-state count, not a national baseline.

Top states by complaints against Focus Holding Company

Across 45 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Focus Holding Company contacts you

A grade of D signals how Focus Holding Company'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 Focus Holding Company 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 Focus Holding Company 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 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 are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Focus Holding Company's reputation grade? ▼

Focus Holding Company has a reputation grade of D (score: 54.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

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.