What is the most common complaint against Texas Guaranteed?

The most common issue consumers report about Texas Guaranteed is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 120 complaints filed with the CFPB.

Are complaints against Texas Guaranteed increasing or decreasing?

Complaints against Texas Guaranteed have been stable. The company received 29 complaints in the last 12 months.

What is Texas Guaranteed's reputation grade?

Texas Guaranteed has a reputation grade of C (score: 59.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Texas Guaranteed respond to consumer complaints?

Texas Guaranteed has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.

In how many states does Texas Guaranteed operate?

Texas Guaranteed has received CFPB complaints from consumers in 22 states, with the most complaints from Texas (58 complaints).

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

Texas Guaranteed - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade C.

Compiled by PlainCollector

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

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 #753 · compose #2508

VOL 120
GRADE C
12MO 29
STATES 22
TIMELY 96%
DISPUTE 8%
ISSUE Attempts to collect debt n…
RANK #753
COMPOSE #2,508

Volume peers

Nearest volume peer: Adir International LLC (120 complaints)

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Texas Guaranteed is volume #753 but composite #2,508, while Texas dominates the geography. 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)
Divergent corpus ranks: #753 volume; #2,508 composite; Cleanest-composite ladder is 1,755 places worse than volume

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

268

Timely-response ratehigher is better

96%

99%

91%

Consumer-dispute ratelower is better

26%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

58
Florida

12
California

7
New York

7
Georgia

4
North Carolina

4
Arizona

3
Kentucky

3

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.