Total CFPB complaints
190
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 190 complaints
The Thomas Agency, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 19 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about The Thomas Agency, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
57 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
42 complaints
- Written notification about debt
Written notification about debt
29 complaints
- False statements or representation 16
False statements or representation
16 complaints
- Communication tactics 8
Communication tactics
8 complaints
- Disclosure verification of debt 7
Disclosure verification of debt
7 complaints
F
Grade F · 30.9/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about The Thomas Agency, Inc.?
The Thomas Agency, Inc. has accumulated 190 total CFPB complaints across 19 states, with 22 filed in the most recent 12 months against 168 historical complaints before that window. The trailing-12-month volume represents 11.6% 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 16% timely-response rate against a 15% 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 19 states, led by Maine with 135 and Florida with 11, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 30.9/100 places The Thomas Agency, Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
22
11.6% of total history
Rising ↑
States active
19
Distinct state filings
Timely response rate
16%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
F
30.9/100 composite
Response-quality profile
How The Thomas Agency, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 30.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 33.9%
Share of US states + territories with at least one filed complaint against this collector.
How does The Thomas Agency, Inc. compare to its peers?
The Thomas Agency, Inc… 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)
2023-01 2026-02
Top Consumer Issues
Attempts to collect debt not owed57 (%)
Cont'd attempts collect debt not owed42 (%)
Written notification about debt29 (%)
False statements or representation16 (%)
Communication tactics8 (%)
Disclosure verification of debt7 (%)
Took or threatened to take negative or legal action5 (%)
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 | 36 |
| Cont'd attempts collect debt not owed | Debt is not mine | 28 |
| Attempts to collect debt not owed | Debt was paid | 21 |
| Written notification about debt | Didn't receive enough information to verify debt | 21 |
| False statements or representation | Attempted to collect wrong amount | 16 |
| Cont'd attempts collect debt not owed | Debt was paid | 14 |
| Communication tactics | Frequent or repeated calls | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
| Disclosure verification of debt | Right to dispute notice not received | 7 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
Where do complaints against The Thomas Agency, Inc. come from?
The states where consumers have filed the most CFPB complaints against The Thomas Agency, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against The Thomas Agency, Inc.
Across 19 states with at least one filing
- Maine
Maine
135 complaints
- Florida 11
Florida
11 complaints
- New Hampshire 8
New Hampshire
8 complaints
- South Carolina 4
South Carolina
4 complaints
- Georgia 4
Georgia
4 complaints
- Arizona 4
Arizona
4 complaints
- Colorado 3
Colorado
3 complaints
- California 3
California
3 complaints
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 190 complaints filed with the CFPB.
Are complaints against The Thomas Agency, Inc. increasing or decreasing? ▼
Complaints against The Thomas Agency, Inc. are rising. The company received 22 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is The Thomas Agency, Inc.'s reputation grade? ▼
The Thomas Agency, Inc. has a reputation grade of F (score: 30.9/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 19 states, with the most complaints from Maine (135 complaints).
What can I do if The Thomas Agency, Inc. 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 The Thomas Agency, Inc. 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 |