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

CFPB complaint data Grade C 120 complaints

Texas Guaranteed - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade C.

Complaints by issue type

What consumers report about Texas Guaranteed

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

Data updated September 2026

CFPB complaint disposition

CCDB record texas-guaranteed Texas Guaranteed

Grade C · 120 CFPB filings · 96% timely · lead issue: Attempts to collect debt not owed

  • VOL 120
  • GRADE C
  • 12MO 29
  • STATES 22
  • TIMELY 96%
  • DISPUTE 8%
  • ISSUE Attempts to collect debt n…
  • RANK #753
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Adir International LLC (120 complaints)

Adir International LLCAdir International LLC120Credico. IncCredico. Inc120Texas Guaranteed (this)Texas Guaranteed (this)120American Recovery Service IncorporatedAmerican Recovery Service In…121C.Tech Collections, Inc.C.Tech Collections, Inc.121
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Texas Guaranteed's 120 CFPB complaints sit next to Adir International LLC 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 120 complaints break down

Every complaint issue type on record for Texas Guaranteed, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
59.1/100
Texas Guaranteed

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 F
120
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
96%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
8%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

48.3% of Texas Guaranteed's CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Texas 48.3%
58 of 120 filings · 22 states touched
Spike month
2024-07 16.2%
11 filings that month · spiky (≥15% of series)
Corpus ranks
#753 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Texas Guaranteed compare to its peers?

How does Texas Guaranteed compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Texas Guaranteed National average
Complaints (last 12 mo)lower is better
29
11
268
Timely-response ratehigher is better
96%
99%
91%
Consumer-dispute ratelower is better
8%
26%
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 Texas Guaranteed a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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% Timely response rate (%) Dispute rate (%) Texas Guaranteed vs. 9 similar-volume peers, by response speed and dispute rate Texas GuaranteedCREDICO. INCADIR INTERNATIONAL LLCCREDIGY USA CORP.GVA Holdings, LLCSeterus, Inc.C.Tech Collections, Inc.American Recovery Service IncorporatedSouthern Credit Recovery, Inc.Professional Adjustment Corp. of S.W. FL., Inc.
Source: CFPB Consumer Complaint Database

Texas Guaranteed's complaint volume in context

Texas Guaranteed 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)

120 Top 14% higher than 86% 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%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). This entry sits in this band. 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. Texas Guaranteed 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)

Stable →
2022-06 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
45
Took or threatened to take negative or legal action
22
Written notification about debt
15
Communication tactics
14
False statements or representation
11
Threatened to contact someone or share information improperly
5
Cont'd attempts collect debt not owed
3
Disclosure verification of debt
2
Improper contact or sharing of info
2
Taking/threatening an illegal action
1

Where do complaints against Texas Guaranteed come from?

Texas Guaranteed's own per-state count, not a national baseline.

Top states by complaints against Texas Guaranteed

Across 22 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 Texas Guaranteed: 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: 120.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 95.53571428571429%.

4 peers

Know your rights before responding to Texas Guaranteed: 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.