What is the most common complaint against Loan South Finance & Tax Service of Troy, LLC?

The most common issue consumers report about Loan South Finance & Tax Service of Troy, LLC is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 29 complaints filed with the CFPB.

Are complaints against Loan South Finance & Tax Service of Troy, LLC increasing or decreasing?

Complaints against Loan South Finance & Tax Service of Troy, LLC are rising. The company received 21 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Loan South Finance & Tax Service of Troy, LLC's reputation grade?

Loan South Finance & Tax Service of Troy, LLC has a reputation grade of C (score: 56.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Loan South Finance & Tax Service of Troy, LLC respond to consumer complaints?

Loan South Finance & Tax Service of Troy, LLC has a 100% timely response rate to CFPB complaints.

In how many states does Loan South Finance & Tax Service of Troy, LLC operate?

Loan South Finance & Tax Service of Troy, LLC has received CFPB complaints from consumers in 6 states, with the most complaints from Texas (10 complaints).

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

Loan South Finance & Tax Service of Troy, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 6 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

9
Took or threatened to take negative or legal action

9
Communication tactics

5
Written notification about debt

3
Threatened to contact someone or share information improperly

2
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record loan-south-finance-tax-service-of-troy-llc Loan South Finance & Tax Service of Troy, LLC

Grade C · 29 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #1565 · compose #3139

VOL 29
GRADE C
12MO 21
STATES 6
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #1,565
COMPOSE #3,139

Volume peers

Nearest volume peer: Acquired Assets, Ltd. (29 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Loan South Finance & Tax Service of Troy, LLC's 29 CFPB complaints sit next to Acquired Assets, Ltd. 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 →

State-heavy filing map

34.5% of Loan South Finance & Tax Service of Troy, LLC's CFPB filings land in Texas

High volume does not equal a clean composite: Loan South Finance & Tax Service of Troy, LLC is volume #1,565 but composite #3,139, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 34.5%; 10 of 29 filings · 6 states touched
Seasonal peak: 2025-01 9.7%; 8–15% band · 3 filings
Divergent corpus ranks: #1,565 volume; #3,139 composite; Cleanest-composite ladder is 1,574 places worse than volume

How does Loan South Finance & Tax Service of Troy, LLC compare to its peers?

How does Loan South Finance & Tax Service of Troy, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Loan South Finance & T… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

21%

91%

Consumer-dispute ratelower is better

11%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-07 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	9
Took or threatened to take negative or legal action	9
Communication tactics	5
Written notification about debt	3
Threatened to contact someone or share information improperly	2
False statements or representation	1

Where do complaints against Loan South Finance & Tax Service of Troy, LLC come from?

Loan South Finance & Tax Service of Troy, LLC's own per-state count, not a national baseline.

Texas

10
Georgia

7
Tennessee

7
Alabama

3
Mississippi

1
Oregon

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Loan South Finance & Tax Service of Troy, LLC: 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: 29.

4 peers

Know your rights before responding to Loan South Finance & Tax Service of Troy, LLC: 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.