What is the most common complaint against The Thomas Agency, Inc.?

The most common issue consumers report about The Thomas Agency, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 193 complaints filed with the CFPB.

Are complaints against The Thomas Agency, Inc. increasing or decreasing?

Complaints against The Thomas Agency, Inc. are falling. The company received 16 complaints in the last 12 months, showing improvement over prior periods.

What is The Thomas Agency, Inc.'s reputation grade?

The Thomas Agency, Inc. has a reputation grade of F (score: 27.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does The Thomas Agency, Inc. respond to consumer complaints?

The Thomas Agency, Inc. has a 16% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.

In how many states does The Thomas Agency, Inc. operate?

The Thomas Agency, Inc. has received CFPB complaints from consumers in 20 states, with the most complaints from Maine (137 complaints).

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

The Thomas Agency, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 20 states, reputation grade F.

Compiled by PlainCollector

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

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 #555 · compose #5240

VOL 193
GRADE F
12MO 16
STATES 20
TIMELY 16%
DISPUTE 15%
ISSUE Attempts to collect debt n…
RANK #555
COMPOSE #5,240

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: The Thomas Agency, Inc. is volume #555 but composite #5,240, while Maine dominates the geography. 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
Divergent corpus ranks: #555 volume; #5,240 composite; Cleanest-composite ladder is 4,685 places worse than volume

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

268

Timely-response ratehigher is better

16%

100%

91%

Consumer-dispute ratelower is better

15%

29%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Maine

137
Florida

11
New Hampshire

8
Arizona

4
Georgia

4
South Carolina

4
California

3
Colorado

3

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.