Total CFPB complaints
112
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 112 complaints
Texas Guaranteed — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Texas Guaranteed
- Attempts to collect debt not owed
Attempts to collect debt not owed
41 complaints
- Took or threatened to take negative or legal action 14
Took or threatened to take negative or legal action
14 complaints
- Written notification about debt 14
Written notification about debt
14 complaints
- Communication tactics 10
Communication tactics
10 complaints
- False statements or representation 7
False statements or representation
7 complaints
- Threatened to contact someone or share information improperly 3
Threatened to contact someone or share information improperly
3 complaints
C
Grade C · 62.1/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Texas Guaranteed?
Texas Guaranteed has accumulated 112 total CFPB complaints across 22 states, with 30 filed in the most recent 12 months against 82 historical complaints before that window. The trailing-12-month volume represents 26.8% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 96% timely-response rate against a 8% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 22 states, led by Texas with 56 and Florida with 12, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.1/100 places Texas Guaranteed in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
30
26.8% of total history
Rising ↑
States active
22
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
8%
After company response
Reputation grade
C
62.1/100 composite
Response-quality profile
How Texas Guaranteed performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 15.4%
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?
Texas Guaranteed 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)
2022-08 2026-03
Top Consumer Issues
Attempts to collect debt not owed41 (%)
Took or threatened to take negative or legal action14 (%)
Written notification about debt14 (%)
False statements or representation7 (%)
Communication tactics10 (%)
Threatened to contact someone or share information improperly3 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 28 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 14 |
| Written notification about debt | Didn't receive enough information to verify debt | 10 |
| Attempts to collect debt not owed | Debt was result of identity theft | 10 |
| False statements or representation | Attempted to collect wrong amount | 7 |
| Communication tactics | Frequent or repeated calls | 6 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 4 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Threatened to contact someone or share information improperly | Contacted your employer | 3 |
Where do complaints against Texas Guaranteed come from?
The states where consumers have filed the most CFPB complaints against Texas Guaranteed. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Texas Guaranteed
Across 22 states with at least one filing
- Texas
Texas
56 complaints
- Florida 12
Florida
12 complaints
- California 6
California
6 complaints
- New York 5
New York
5 complaints
- Washington 3
Washington
3 complaints
- Arizona 3
Arizona
3 complaints
- North Carolina 3
North Carolina
3 complaints
- Georgia 3
Georgia
3 complaints
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 112 complaints filed with the CFPB.
Are complaints against Texas Guaranteed increasing or decreasing? ▼
Complaints against Texas Guaranteed are rising. The company received 30 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Texas Guaranteed's reputation grade? ▼
Texas Guaranteed has a reputation grade of C (score: 62.1/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (56 complaints).
What can I do if Texas Guaranteed 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 Texas Guaranteed 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 |