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

CFPB complaint data Grade C 163 complaints

Terrill Outsourcing Group - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade C.

Complaints by issue type

What consumers report about Terrill Outsourcing Group

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 59.9/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Terrill Outsourcing Group ranks ahead of 42% of the 5,283 collectors PlainCollector grades - 58% keep a cleaner CFPB record, on 163 all-time complaints and a 98% timely-response rate.

42nd pct
reputation rank of 5,283 graded collectors
163
CFPB complaints, all-time
98%
answered inside the CFPB window
12
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 Terrill Outsourcing Group?

Terrill Outsourcing Group has accumulated 163 total CFPB complaints across 39 states, with 12 filed in the most recent 12 months against 151 historical complaints before that window. The trailing-12-month volume represents 7.4% 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 "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 98% timely-response rate against a 15% consumer-dispute-after-response rate.

Complaints have been recorded across 39 states, led by Texas with 17 and Georgia with 16. Normalized against the full CFPB collector database, the reputation score of 59.9/100 places Terrill Outsourcing Group in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

163

mid-volume (CCDB)

Last 12 months

12

7.4% of all-time complaints

Falling ↓

States active

39

multi-region footprint

Timely response rate

98%

excellent band

Consumer disputes

15%

average (vertical avg ~19%)

Reputation grade

C

59.9/100 composite

How does Terrill Outsourcing Group's reputation rank nationally?

Reputation score vs. every graded collector

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

60 42nd percentile higher than 42% 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

Terrill Outsourcing Group versus the debt-collection vertical average.

Timely response within SLA 97.5%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 15.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 69.6%

Share of US states + territories with at least one filed complaint against this collector.

How does Terrill Outsourcing Group compare to its peers?

How does Terrill Outsourcing Group compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Terrill Outsourcing Gr… National average
Complaints (last 12 mo)lower is better
12
56
268
Timely-response ratehigher is better
98%
98%
91%
Consumer-dispute ratelower is better
15%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-08 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 60
Attempts to collect debt not owed - 40
Written notification about debt - 24
Cont'd attempts collect debt not owed - 9
Threatened to contact someone or share information improperly - 9
False statements or representation - 6
Took or threatened to take negative or legal action - 5
Improper contact or sharing of info - 4
Electronic communications - 3
Disclosure verification of debt - 2

Where do complaints against Terrill Outsourcing Group come from?

Terrill Outsourcing Group's own per-state count, not a national baseline.

Top states by complaints against Terrill Outsourcing Group

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Terrill Outsourcing Group contacts you

A grade of C signals how Terrill Outsourcing Group'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 Terrill Outsourcing Group 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 Terrill Outsourcing Group 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 Terrill Outsourcing Group? ▼

The most common issue consumers report about Terrill Outsourcing Group is "Communication tactics", specifically "Frequent or repeated calls". This is based on 163 complaints filed with the CFPB.

Are complaints against Terrill Outsourcing Group increasing or decreasing? ▼

Complaints against Terrill Outsourcing Group are falling. The company received 12 complaints in the last 12 months, showing improvement over prior periods.

What is Terrill Outsourcing Group's reputation grade? ▼

Terrill Outsourcing Group has a reputation grade of C (score: 59.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Terrill Outsourcing Group respond to consumer complaints? ▼

Terrill Outsourcing Group has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.

In how many states does Terrill Outsourcing Group operate? ▼

Terrill Outsourcing Group has received CFPB complaints from consumers in 39 states, with the most complaints from Texas (17 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.