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

CFPB complaint data Grade D 41 complaints

Tennessee Credit Management, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade D.

Complaints by issue type

What consumers report about Tennessee Credit Management, Inc

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record tennessee-credit-management-inc Tennessee Credit Management, Inc

Grade D · 41 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 41
  • GRADE D
  • 12MO 27
  • STATES 12
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #1,330
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: First Horizon Bank (41 complaints)

First Horizon BankFirst Horizon Bank41Forster, Garbus and GarbusForster, Garbus and Garbus41Guardian Capital Management Hawaii, LLCGuardian Capital Management …41JMD,LLCJMD,LLC41Tennessee Credit Management, Inc (this)Tennessee Credit Management,…41
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Tennessee Credit Management, Inc's 41 CFPB complaints sit next to First Horizon Bank 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 →

How the 41 complaints break down

Every complaint issue type on record for Tennessee Credit Management, Inc, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.4/100
Tennessee Credit Management, Inc

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
41
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Steady monthly series

Texas is the plurality state for Tennessee Credit Management, Inc (19.5%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Texas 19.5%
Mid-band (15–30%) · 12 states with ≥1 filing
Even monthly load
Peak under 8%
Highest month 2018-02 at 7.5% (3 filings)
Corpus ranks
#1,330 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Tennessee Credit Management, Inc compare to its peers?

How does Tennessee Credit Management, Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Tennessee Credit Management, Inc National average
Complaints (last 12 mo)lower is better
27
12
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
0%
33%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Tennessee Credit Management, Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Tennessee Credit Management, Inc vs. 7 similar-volume peers, by response speed and dispute rate Robinson & HooverPrimary Financial Services L.L.C.NCS, IncKomyatte & Casbon, P.C.JMD,LLCGUARDIAN CAPITAL MANAGEMENT HAWAII, LLCForster, Garbus and Garbus
Source: CFPB Consumer Complaint Database

Tennessee Credit Management, Inc's complaint volume in context

Tennessee Credit Management, Inc vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

41 Top 25% higher than 75% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). This entry sits in this band. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Tennessee Credit Management, Inc 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2016-09 2020-01

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
12
Written notification about debt
12
Took or threatened to take negative or legal action
8
False statements or representation
6
Communication tactics
2
Electronic communications
1

Where do complaints against Tennessee Credit Management, Inc come from?

Tennessee Credit Management, Inc's own per-state count, not a national baseline.

Top states by complaints against Tennessee Credit Management, Inc

Across 12 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Tennessee Credit Management, Inc: 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: 41.

4 peers

Know your rights before responding to Tennessee Credit Management, Inc: 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.