Total CFPB complaints
54
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 54 complaints
Talbot, Adams, & Moore, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Talbot, Adams, & Moore, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
15 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
12 complaints
- Written notification about debt
Written notification about debt
8 complaints
- Took or threatened to take negative or legal action 4
Took or threatened to take negative or legal action
4 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Communication tactics 1
Communication tactics
1 complaints
D
Grade D · 59.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Talbot, Adams, & Moore, Inc.?
Talbot, Adams, & Moore, Inc. has accumulated 54 total CFPB complaints across 13 states, with 3 filed in the most recent 12 months against 51 historical complaints before that window. The trailing-12-month volume represents 5.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 83% timely-response rate against a 14% 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 13 states, led by Texas with 36 and Oklahoma with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.1/100 places Talbot, Adams, & Moore, 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
5.6% of total history
Rising ↑
States active
13
Distinct state filings
Timely response rate
83%
Within CFPB SLA window
Consumer disputes
14%
After company response
Reputation grade
D
59.1/100 composite
Response-quality profile
How Talbot, Adams, & Moore, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 83.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 27.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Talbot, Adams, & Moore, Inc. compare to its peers?
Talbot, Adams, & Moore… 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)
2016-12 2026-03
Top Consumer Issues
Cont'd attempts collect debt not owed12 (%)
Attempts to collect debt not owed15 (%)
Written notification about debt8 (%)
Took or threatened to take negative or legal action4 (%)
False statements or representation3 (%)
Communication tactics1 (%)
Improper contact or sharing of info1 (%)
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 | 9 |
| Attempts to collect debt not owed | Debt is not yours | 9 |
| Attempts to collect debt not owed | Debt was result of identity theft | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
Where do complaints against Talbot, Adams, & Moore, Inc. come from?
The states where consumers have filed the most CFPB complaints against Talbot, Adams, & Moore, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Talbot, Adams, & Moore, Inc.
Across 13 states with at least one filing
- Texas
Texas
36 complaints
- Oklahoma 4
Oklahoma
4 complaints
- Florida 4
Florida
4 complaints
- Louisiana 1
Louisiana
1 complaints
- New York 1
New York
1 complaints
- Maryland 1
Maryland
1 complaints
- Kansas 1
Kansas
1 complaints
- California 1
California
1 complaints
Frequently Asked Questions
What is the most common complaint against Talbot, Adams, & Moore, Inc.? ▼
The most common issue consumers report about Talbot, Adams, & Moore, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 54 complaints filed with the CFPB.
Are complaints against Talbot, Adams, & Moore, Inc. increasing or decreasing? ▼
Complaints against Talbot, Adams, & Moore, Inc. are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Talbot, Adams, & Moore, Inc.'s reputation grade? ▼
Talbot, Adams, & Moore, Inc. has a reputation grade of D (score: 59.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Talbot, Adams, & Moore, Inc. respond to consumer complaints? ▼
Talbot, Adams, & Moore, Inc. has a 83% timely response rate to CFPB complaints. Consumers disputed the company's response in 14% of cases.
In how many states does Talbot, Adams, & Moore, Inc. operate? ▼
Talbot, Adams, & Moore, Inc. has received CFPB complaints from consumers in 13 states, with the most complaints from Texas (36 complaints).
What can I do if Talbot, Adams, & Moore, 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 Talbot, Adams, & Moore, 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 |