Total CFPB complaints
88
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 88 complaints
Tri-State Adjustments, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 28 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Tri-State Adjustments, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
29 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
15 complaints
- Written notification about debt
Written notification about debt
12 complaints
- False statements or representation 9
False statements or representation
9 complaints
- Disclosure verification of debt 8
Disclosure verification of debt
8 complaints
- Communication tactics 4
Communication tactics
4 complaints
C
Grade C · 61.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Tri-State Adjustments, Inc.?
Tri-State Adjustments, Inc. has accumulated 88 total CFPB complaints across 28 states, with 12 filed in the most recent 12 months against 76 historical complaints before that window. The trailing-12-month volume represents 13.6% 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 "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 94% timely-response rate against a 13% 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 28 states, led by Wisconsin with 12 and California with 10, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.0/100 places Tri-State Adjustments, 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
12
13.6% of total history
Stable →
States active
28
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
C
61.0/100 composite
Response-quality profile
How Tri-State Adjustments, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 94.3%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 26.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 50.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Tri-State Adjustments, Inc. compare to its peers?
Tri-State Adjustments,… 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)
2021-03 2026-02
Top Consumer Issues
Attempts to collect debt not owed29 (%)
Written notification about debt12 (%)
False statements or representation9 (%)
Cont'd attempts collect debt not owed15 (%)
Disclosure verification of debt8 (%)
Communication tactics4 (%)
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 | 17 |
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
| False statements or representation | Attempted to collect wrong amount | 9 |
| Cont'd attempts collect debt not owed | Debt is not mine | 9 |
| Disclosure verification of debt | Not given enough info to verify debt | 8 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
| Communication tactics | Frequent or repeated calls | 4 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
Where do complaints against Tri-State Adjustments, Inc. come from?
The states where consumers have filed the most CFPB complaints against Tri-State Adjustments, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Tri-State Adjustments, Inc.
Across 28 states with at least one filing
- Wisconsin
Wisconsin
12 complaints
- California
California
10 complaints
- Florida
Florida
7 complaints
- Texas
Texas
6 complaints
- New York
New York
6 complaints
- Iowa
Iowa
5 complaints
- Minnesota 4
Minnesota
4 complaints
- North Carolina 3
North Carolina
3 complaints
Frequently Asked Questions
What is the most common complaint against Tri-State Adjustments, Inc.? ▼
The most common issue consumers report about Tri-State Adjustments, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 88 complaints filed with the CFPB.
Are complaints against Tri-State Adjustments, Inc. increasing or decreasing? ▼
Complaints against Tri-State Adjustments, Inc. have been stable. The company received 12 complaints in the last 12 months.
What is Tri-State Adjustments, Inc.'s reputation grade? ▼
Tri-State Adjustments, Inc. has a reputation grade of C (score: 61.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Tri-State Adjustments, Inc. respond to consumer complaints? ▼
Tri-State Adjustments, Inc. has a 94% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.
In how many states does Tri-State Adjustments, Inc. operate? ▼
Tri-State Adjustments, Inc. has received CFPB complaints from consumers in 28 states, with the most complaints from Wisconsin (12 complaints).
What can I do if Tri-State Adjustments, 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 Tri-State Adjustments, 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 |