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

CFPB complaint data Grade D 117 complaints

TMX Finance LLC - Debt Collector Complaint Profile

CFPB complaint profile across 20 states, reputation grade D.

Complaints by issue type

What consumers report about TMX Finance LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record tmx-finance-llc TMX Finance LLC

Grade D · 117 CFPB filings · 97% timely · lead issue: Communication tactics

  • VOL 117
  • GRADE D
  • 12MO 0
  • STATES 20
  • TIMELY 97%
  • DISPUTE 22%
  • ISSUE Communication tactics
  • RANK #759
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Capital Link Management, LLC (117 complaints)

Capital Link Management, LLCCapital Link Management, LLC117Fig Tech Inc.Fig Tech Inc.117Wheels Financial Group, LLC.Wheels Financial Group, LLC.117TMX Finance LLC (this)TMX Finance LLC (this)117Southern Credit Recovery, Inc.Southern Credit Recovery, In…118
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

TMX Finance LLC's 117 CFPB complaints sit next to Capital Link Management, LLC 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 →

How the 117 complaints break down

Every complaint issue type on record for TMX Finance LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.4/100
TMX Finance LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
117
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
22%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Georgia is the plurality state for TMX Finance LLC (28.2%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Georgia 28.2%
Mid-band (15–30%) · 20 states with ≥1 filing
Seasonal peak
2015-01 11.1%
8–15% band · 5 filings
Corpus ranks
#759 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does TMX Finance LLC compare to its peers?

How does TMX Finance LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
TMX Finance LLC National average
Complaints (last 12 mo)lower is better
0
67
268
Timely-response ratehigher is better
97%
100%
91%
Consumer-dispute ratelower is better
22%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy TMX Finance LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 75%80%85%90%95%100%105% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) TMX Finance LLC vs. 7 similar-volume peers, by response speed and dispute rate TMX Finance LLCWHEELS FINANCIAL GROUP, LLC.Southern Credit Recovery, Inc.BALANCED HEALTHCARE RECEIVABLES, LLCMST Financial Services, L.L.C.Rosebud Economic Development CorporationS & S Recovery, Inc.GVA Holdings, LLC
Source: CFPB Consumer Complaint Database

TMX Finance LLC's complaint volume in context

TMX Finance LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

117 Top 14% higher than 86% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). This entry sits in this band. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. TMX Finance LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2014-02 2016-12

Issue Detail Breakdown

Issue Complaints
Communication tactics
37
Attempts to collect debt not owed
19
Took or threatened to take negative or legal action
14
Improper contact or sharing of info
14
False statements or representation
8
Cont'd attempts collect debt not owed
8
Taking/threatening an illegal action
7
Disclosure verification of debt
4
Threatened to contact someone or share information improperly
4
Written notification about debt
2

Where do complaints against TMX Finance LLC come from?

TMX Finance LLC's own per-state count, not a national baseline.

Top states by complaints against TMX Finance LLC

Across 20 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for TMX Finance LLC: 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: 117.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 96.58119658119658%.

4 peers

Know your rights before responding to TMX Finance LLC: 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.