Total CFPB complaints
117
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 117 complaints
TMX Finance LLC — Debt Collector Complaint Profile
CFPB complaint profile across 20 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about TMX Finance LLC
- Communication tactics
Communication tactics
32 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
15 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
14 complaints
- Took or threatened to take negative or legal action 10
Took or threatened to take negative or legal action
10 complaints
- Cont'd attempts collect debt not owed 7
Cont'd attempts collect debt not owed
7 complaints
- Taking/threatening an illegal action 5
Taking/threatening an illegal action
5 complaints
D
Grade D · 58.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about TMX Finance LLC?
TMX Finance LLC has accumulated 117 total CFPB complaints across 20 states, with 0 filed in the most recent 12 months against 117 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 "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 22% 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 20 states, led by Georgia with 33 and Texas with 19, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.8/100 places TMX Finance LLC in grade band D, 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
20
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
58.8/100 composite
Response-quality profile
How TMX Finance LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 43.6%
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 TMX Finance LLC compare to its peers?
TMX Finance LLC 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)
2020-06 2023-12
Top Consumer Issues
Communication tactics32 (%)
Attempts to collect debt not owed15 (%)
Took or threatened to take negative or legal action10 (%)
Cont'd attempts collect debt not owed7 (%)
Improper contact or sharing of info14 (%)
Taking/threatening an illegal action5 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 | Frequent or repeated calls | 25 |
| Attempts to collect debt not owed | Debt is not yours | 11 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 10 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Improper contact or sharing of info | Talked to a third party about my debt | 6 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 5 |
| Improper contact or sharing of info | Contacted employer after asked not to | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Improper contact or sharing of info | Contacted me after I asked not to | 4 |
Where do complaints against TMX Finance LLC come from?
The states where consumers have filed the most CFPB complaints against TMX Finance LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against TMX Finance LLC
Across 20 states with at least one filing
- Georgia
Georgia
33 complaints
- Texas
Texas
19 complaints
- Tennessee 11
Tennessee
11 complaints
- Nevada 7
Nevada
7 complaints
- Virginia 7
Virginia
7 complaints
- Florida 6
Florida
6 complaints
- North Carolina 3
North Carolina
3 complaints
- Alabama 3
Alabama
3 complaints
Frequently Asked Questions
What is the most common complaint against TMX Finance LLC? ▼
The most common issue consumers report about TMX Finance LLC is "Communication tactics", specifically "Frequent or repeated calls". This is based on 117 complaints filed with the CFPB.
Are complaints against TMX Finance LLC increasing or decreasing? ▼
Complaints against TMX Finance LLC have been stable. The company received 0 complaints in the last 12 months.
What is TMX Finance LLC's reputation grade? ▼
TMX Finance LLC has a reputation grade of D (score: 58.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does TMX Finance LLC respond to consumer complaints? ▼
TMX Finance LLC has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.
In how many states does TMX Finance LLC operate? ▼
TMX Finance LLC has received CFPB complaints from consumers in 20 states, with the most complaints from Georgia (33 complaints).
What can I do if TMX Finance LLC 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 TMX Finance LLC 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 |