Total CFPB complaints
33
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 33 complaints
Tennessee Credit Management, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Tennessee Credit Management, Inc
- Written notification about debt
Written notification about debt
12 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
8 complaints
- False statements or representation
False statements or representation
5 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
5 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Electronic communications 1
Electronic communications
1 complaints
D
Grade D · 58.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Tennessee Credit Management, Inc?
Tennessee Credit Management, Inc has accumulated 33 total CFPB complaints across 11 states, with 20 filed in the most recent 12 months against 13 historical complaints before that window. The trailing-12-month volume represents 60.6% 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 "Written notification about debt", narrowing to "Didn't receive notice of right to dispute", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 11 states, led by Texas with 7 and Georgia with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.2/100 places Tennessee Credit Management, 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
20
60.6% of total history
Rising ↑
States active
11
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
58.2/100 composite
Response-quality profile
How Tennessee Credit Management, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Tennessee Credit Management, Inc compare to its peers?
Tennessee Credit Manag… 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)
2024-08 2026-02
Top Consumer Issues
Written notification about debt12 (%)
False statements or representation5 (%)
Took or threatened to take negative or legal action5 (%)
Attempts to collect debt not owed8 (%)
Communication tactics1 (%)
Electronic communications1 (%)
Most common issue: Written notification about debt — Didn't receive notice of right to dispute
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 |
|---|---|---|
| Written notification about debt | Didn't receive notice of right to dispute | 7 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| 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 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Communication tactics | Frequent or repeated calls | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Electronic communications | Frequent or repeated messages | 1 |
Where do complaints against Tennessee Credit Management, Inc come from?
The states where consumers have filed the most CFPB complaints against Tennessee Credit Management, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Tennessee Credit Management, Inc
Across 11 states with at least one filing
- Texas
Texas
7 complaints
- Georgia
Georgia
5 complaints
- Florida
Florida
5 complaints
- Mississippi
Mississippi
4 complaints
- South Carolina
South Carolina
3 complaints
- North Carolina 2
North Carolina
2 complaints
- Alabama 2
Alabama
2 complaints
- Tennessee 2
Tennessee
2 complaints
Frequently Asked Questions
What is the most common complaint against Tennessee Credit Management, Inc? ▼
The most common issue consumers report about Tennessee Credit Management, Inc is "Written notification about debt", specifically "Didn't receive notice of right to dispute". This is based on 33 complaints filed with the CFPB.
Are complaints against Tennessee Credit Management, Inc increasing or decreasing? ▼
Complaints against Tennessee Credit Management, Inc are rising. The company received 20 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Tennessee Credit Management, Inc's reputation grade? ▼
Tennessee Credit Management, Inc has a reputation grade of D (score: 58.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Tennessee Credit Management, Inc respond to consumer complaints? ▼
Tennessee Credit Management, Inc has a 100% timely response rate to CFPB complaints.
In how many states does Tennessee Credit Management, Inc operate? ▼
Tennessee Credit Management, Inc has received CFPB complaints from consumers in 11 states, with the most complaints from Texas (7 complaints).
What can I do if Tennessee Credit Management, 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 Tennessee Credit Management, 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 |