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

CFPB complaint data Grade F 193 complaints

The Thomas Agency, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 20 states, reputation grade F.

Complaints by issue type

What consumers report about The Thomas Agency, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record the-thomas-agency-inc The Thomas Agency, Inc.

Grade F · 193 CFPB filings · 16% timely · lead issue: Attempts to collect debt not owed

  • VOL 193
  • GRADE F
  • 12MO 16
  • STATES 20
  • TIMELY 16%
  • DISPUTE 15%
  • ISSUE Attempts to collect debt n…
  • RANK #555
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Sa-Vit Enterprises, Inc. (193 complaints)

Aldridge PIte Haan, LLPAldridge PIte Haan, LLP192Sa-Vit Enterprises, Inc.Sa-Vit Enterprises, Inc.193Waterfall Revenue GroupWaterfall Revenue Group193The Thomas Agency, Inc. (this)The Thomas Agency, Inc. (thi…193Integrated Recovery ServicesIntegrated Recovery Services194
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

The Thomas Agency, Inc.'s 193 CFPB complaints sit next to Sa-Vit Enterprises, Inc. 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 193 complaints break down

Every complaint issue type on record for The Thomas Agency, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
27.1/100
The Thomas Agency, Inc.

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
193
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response F
16%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
15%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

71.0% of The Thomas Agency, Inc.'s CFPB filings land in Maine

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

Dominant state
Maine 71.0%
137 of 193 filings · 20 states touched
Seasonal peak
2025-11 14.3%
8–15% band · 7 filings
Corpus ranks
#555 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does The Thomas Agency, Inc. compare to its peers?

How does The Thomas Agency, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
The Thomas Agency, Inc. National average
Complaints (last 12 mo)lower is better
16
22
268
Timely-response ratehigher is better
16%
100%
91%
Consumer-dispute ratelower is better
15%
29%
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 The Thomas Agency, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 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 0%20%40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) The Thomas Agency, Inc. vs. 8 similar-volume peers, by response speed and dispute rate The Thomas Agency, Inc.Sa-Vit Enterprises, Inc.Waterfall Revenue GroupIntegrated Recovery ServicesAldridge PIte Haan, LLPCredit Management Control, Inc.Medical Society Business Services, Inc.Credit Bureau Services AssociationCollins Asset Group, LLC
Source: CFPB Consumer Complaint Database

The Thomas Agency, Inc.'s complaint volume in context

The Thomas Agency, Inc. 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)

193 Top 10% higher than 90% 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%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). This entry sits in this band. 200–220: 536 collectors (10%). Above this entry. The Thomas Agency, Inc. 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)

Falling ↓
2023-10 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
61
Cont'd attempts collect debt not owed
44
Written notification about debt
30
False statements or representation
18
Communication tactics
16
Disclosure verification of debt
12
Took or threatened to take negative or legal action
6
Improper contact or sharing of info
3
Threatened to contact someone or share information improperly
2
Electronic communications
1

Where do complaints against The Thomas Agency, Inc. come from?

The Thomas Agency, Inc.'s own per-state count, not a national baseline.

Top states by complaints against The Thomas Agency, Inc.

Across 20 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 The Thomas Agency, Inc.: 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: 193.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 16.315789473684212%.

4 peers

Know your rights before responding to The Thomas Agency, Inc.: 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.