Total CFPB complaints
104
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 104 complaints
TIDEWATER FINANCE COMPANY, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 27 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about TIDEWATER FINANCE COMPANY, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
37 complaints
- Written notification about debt 10
Written notification about debt
10 complaints
- Took or threatened to take negative or legal action 9
Took or threatened to take negative or legal action
9 complaints
- False statements or representation 8
False statements or representation
8 complaints
- Communication tactics 6
Communication tactics
6 complaints
- Disclosure verification of debt 5
Disclosure verification of debt
5 complaints
C
Grade C · 62.7/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about TIDEWATER FINANCE COMPANY, INC.?
TIDEWATER FINANCE COMPANY, INC. has accumulated 104 total CFPB complaints across 27 states, with 11 filed in the most recent 12 months against 93 historical complaints before that window. The trailing-12-month volume represents 10.6% 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 98% timely-response rate against a 10% 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 27 states, led by Georgia with 18 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 62.7/100 places TIDEWATER FINANCE COMPANY, INC. 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
11
10.6% of total history
Rising ↑
States active
27
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
10%
After company response
Reputation grade
C
62.7/100 composite
Response-quality profile
How TIDEWATER FINANCE COMPANY, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 19.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 48.2%
Share of US states + territories with at least one filed complaint against this collector.
How does TIDEWATER FINANCE COMPANY, INC. compare to its peers?
TIDEWATER FINANCE COMP… 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)
2020-12 2026-02
Top Consumer Issues
Attempts to collect debt not owed37 (%)
Written notification about debt10 (%)
False statements or representation8 (%)
Communication tactics6 (%)
Took or threatened to take negative or legal action9 (%)
Disclosure verification of debt5 (%)
Cont'd attempts collect debt not owed4 (%)
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 | 14 |
| Attempts to collect debt not owed | Debt was paid | 13 |
| Written notification about debt | Didn't receive enough information to verify debt | 10 |
| Attempts to collect debt not owed | Debt was result of identity theft | 10 |
| False statements or representation | Attempted to collect wrong amount | 8 |
| Communication tactics | Frequent or repeated calls | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 4 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 4 |
Where do complaints against TIDEWATER FINANCE COMPANY, INC. come from?
The states where consumers have filed the most CFPB complaints against TIDEWATER FINANCE COMPANY, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against TIDEWATER FINANCE COMPANY, INC.
Across 27 states with at least one filing
- Georgia
Georgia
18 complaints
- Florida
Florida
11 complaints
- Illinois
Illinois
10 complaints
- California
California
9 complaints
- Maryland 7
Maryland
7 complaints
- Virginia 6
Virginia
6 complaints
- Arizona 4
Arizona
4 complaints
- Michigan 4
Michigan
4 complaints
Frequently Asked Questions
What is the most common complaint against TIDEWATER FINANCE COMPANY, INC.? ▼
The most common issue consumers report about TIDEWATER FINANCE COMPANY, INC. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 104 complaints filed with the CFPB.
Are complaints against TIDEWATER FINANCE COMPANY, INC. increasing or decreasing? ▼
Complaints against TIDEWATER FINANCE COMPANY, INC. are rising. The company received 11 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is TIDEWATER FINANCE COMPANY, INC.'s reputation grade? ▼
TIDEWATER FINANCE COMPANY, INC. has a reputation grade of C (score: 62.7/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does TIDEWATER FINANCE COMPANY, INC. respond to consumer complaints? ▼
TIDEWATER FINANCE COMPANY, INC. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 10% of cases.
In how many states does TIDEWATER FINANCE COMPANY, INC. operate? ▼
TIDEWATER FINANCE COMPANY, INC. has received CFPB complaints from consumers in 27 states, with the most complaints from Georgia (18 complaints).
What can I do if TIDEWATER FINANCE COMPANY, 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 TIDEWATER FINANCE COMPANY, 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 |