Total CFPB complaints
24
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 24 complaints
Thomas, King & Associates — Debt Collector Complaint Profile
CFPB complaint profile across 15 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Thomas, King & Associates
- Communication tactics
Communication tactics
14 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
- Taking/threatening an illegal action 2
Taking/threatening an illegal action
2 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
C
Grade C · 62.8/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Thomas, King & Associates?
Thomas, King & Associates has accumulated 24 total CFPB complaints across 15 states, with 0 filed in the most recent 12 months against 24 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Threatened to take legal action", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 75% timely-response rate against a 4% 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 15 states, led by New York with 4 and New Jersey with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.8/100 places Thomas, King & Associates 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
0
0.0% of total history
Stable →
States active
15
Distinct state filings
Timely response rate
75%
Within CFPB SLA window
Consumer disputes
4%
After company response
Reputation grade
C
62.8/100 composite
Response-quality profile
How Thomas, King & Associates performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 75.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 8.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 26.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Thomas, King & Associates compare to its peers?
Thomas, King & Associa… 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)
2014-06 2015-05
Top Consumer Issues
Communication tactics14 (%)
Improper contact or sharing of info2 (%)
Taking/threatening an illegal action2 (%)
False statements or representation2 (%)
Cont'd attempts collect debt not owed2 (%)
Most common issue: Communication tactics — Threatened to take legal action
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 |
|---|---|---|
| Communication tactics | Threatened to take legal action | 7 |
| Communication tactics | Frequent or repeated calls | 4 |
| Communication tactics | Used obscene/profane/abusive language | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| False statements or representation | Impersonated an attorney or official | 1 |
| Communication tactics | Called after sent written cease of comm | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
Where do complaints against Thomas, King & Associates come from?
The states where consumers have filed the most CFPB complaints against Thomas, King & Associates. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Thomas, King & Associates
Across 15 states with at least one filing
- New York
New York
4 complaints
- New Jersey
New Jersey
3 complaints
- Texas
Texas
3 complaints
- Connecticut
Connecticut
2 complaints
- California
California
2 complaints
- Delaware 1
Delaware
1 complaints
- Georgia 1
Georgia
1 complaints
- Kentucky 1
Kentucky
1 complaints
Frequently Asked Questions
What is the most common complaint against Thomas, King & Associates? ▼
The most common issue consumers report about Thomas, King & Associates is "Communication tactics", specifically "Threatened to take legal action". This is based on 24 complaints filed with the CFPB.
Are complaints against Thomas, King & Associates increasing or decreasing? ▼
Complaints against Thomas, King & Associates have been stable. The company received 0 complaints in the last 12 months.
What is Thomas, King & Associates's reputation grade? ▼
Thomas, King & Associates has a reputation grade of C (score: 62.8/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Thomas, King & Associates respond to consumer complaints? ▼
Thomas, King & Associates has a 75% timely response rate to CFPB complaints. Consumers disputed the company's response in 4% of cases.
In how many states does Thomas, King & Associates operate? ▼
Thomas, King & Associates has received CFPB complaints from consumers in 15 states, with the most complaints from New York (4 complaints).
What can I do if Thomas, King & Associates 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 Thomas, King & Associates 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 |