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

Data updated July 2026

C

Grade C · 62.1/100 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: Texas Guaranteed ranks ahead of 50% of the 5,283 collectors PlainCollector grades - 50% keep a cleaner CFPB record, on 120 all-time complaints and a 96% timely-response rate.

50th pct
reputation rank of 5,283 graded collectors
120
CFPB complaints, all-time
96%
answered inside the CFPB window
29
in the last 12 months (stable)

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 Texas Guaranteed?

Texas Guaranteed has accumulated 120 total CFPB complaints across 22 states, with 29 filed in the most recent 12 months against 91 historical complaints before that window. The trailing-12-month volume represents 24.2% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 96% timely-response rate against a 8% consumer-dispute-after-response rate.

Complaints have been recorded across 22 states, led by Texas with 58 and Florida with 12. Normalized against the full CFPB collector database, the reputation score of 62.1/100 places Texas Guaranteed in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

120

mid-volume (CCDB)

Last 12 months

29

24.2% of all-time complaints

Stable →

States active

22

multi-region footprint

Timely response rate

96%

excellent band

Consumer disputes

8%

low (vertical avg ~19%)

Reputation grade

C

62.1/100 composite

How does Texas Guaranteed's reputation rank nationally?

Reputation score vs. every graded collector

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

62 50th percentile higher than 50% 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%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 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

Texas Guaranteed versus the debt-collection vertical average.

Timely response within SLA 95.5%
Vertical avg

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

Consumer dispute rate (post-response) 7.7%
Vertical avg

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

State coverage breadth 39.3%

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

How does Texas Guaranteed compare to its peers?

How does Texas Guaranteed compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2022-06 2026-02

Issue Detail Breakdown

Issue Sub-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

What to do if Texas Guaranteed contacts you

A grade of C signals how Texas Guaranteed'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 Texas Guaranteed 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 Texas Guaranteed 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 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: 62.1/100), 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).

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.