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

Data updated July 2026

F

Grade F · 30.9/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: The Thomas Agency, Inc. ranks ahead of 1% of the 5,283 collectors PlainCollector grades - 99% keep a cleaner CFPB record, on 193 all-time complaints and a 16% timely-response rate.

1st pct
reputation rank of 5,283 graded collectors
193
CFPB complaints, all-time
16%
answered inside the CFPB window
16
in the last 12 months (falling)

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 The Thomas Agency, Inc.?

The Thomas Agency, Inc. has accumulated 193 total CFPB complaints across 20 states, with 16 filed in the most recent 12 months against 177 historical complaints before that window. The trailing-12-month volume represents 8.3% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

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 16% timely-response rate against a 15% consumer-dispute-after-response rate.

Complaints have been recorded across 20 states, led by Maine with 137 and Florida with 11. Normalized against the full CFPB collector database, the reputation score of 30.9/100 places The Thomas Agency, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

193

mid-volume (CCDB)

Last 12 months

16

8.3% of all-time complaints

Falling ↓

States active

20

multi-region footprint

Timely response rate

16%

below sla band

Consumer disputes

15%

average (vertical avg ~19%)

Reputation grade

F

30.9/100 composite

How does The Thomas Agency, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

31 Bottom 1% higher than 1% 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%). This entry sits in this band. 40–50: 583 graded collectors (11%). Above this entry. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 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

The Thomas Agency, Inc. versus the debt-collection vertical average.

Timely response within SLA 16.3%
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 35.7%

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

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, 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.

Complaint Trend (24 months)

2023-10 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if The Thomas Agency, Inc. contacts you

A grade of F signals how The Thomas Agency, Inc.'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 The Thomas Agency, Inc. 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 The Thomas Agency, Inc. 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 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: 30.9/100), 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).

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.