Total CFPB complaints
4,745
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 4,745 complaints
T.S. Holdings — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about T.S. Holdings
- Attempts to collect debt not owed
Attempts to collect debt not owed
1,888 complaints
- Written notification about debt
Written notification about debt
901 complaints
- False statements or representation
False statements or representation
770 complaints
- Took or threatened to take negative or legal action 571
Took or threatened to take negative or legal action
571 complaints
- Communication tactics 375
Communication tactics
375 complaints
F
Grade F · 47.7/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about T.S. Holdings?
T.S. Holdings has accumulated 4,745 total CFPB complaints across 52 states, with 1,945 filed in the most recent 12 months against 2,800 historical complaints before that window. The trailing-12-month volume represents 41.0% 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 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 52 states, led by Texas with 842 and California with 586, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 47.7/100 places T.S. Holdings in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1,945
41.0% of total history
Rising ↑
States active
52
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
F
47.7/100 composite
Response-quality profile
How T.S. Holdings performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 92.9%
Share of US states + territories with at least one filed complaint against this collector.
How does T.S. Holdings compare to its peers?
T.S. Holdings 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed1,888 (%)
False statements or representation770 (%)
Written notification about debt901 (%)
Took or threatened to take negative or legal action571 (%)
Communication tactics375 (%)
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 | 1,121 |
| False statements or representation | Attempted to collect wrong amount | 770 |
| Written notification about debt | Didn't receive enough information to verify debt | 631 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 571 |
| Attempts to collect debt not owed | Debt was result of identity theft | 420 |
| Attempts to collect debt not owed | Debt was paid | 347 |
| Written notification about debt | Didn't receive notice of right to dispute | 270 |
| Communication tactics | Used obscene, profane, or other abusive language | 243 |
| Communication tactics | Frequent or repeated calls | 70 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 62 |
Where do complaints against T.S. Holdings come from?
The states where consumers have filed the most CFPB complaints against T.S. Holdings. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against T.S. Holdings
Across 52 states with at least one filing
- Texas
Texas
842 complaints
- California
California
586 complaints
- Florida
Florida
445 complaints
- Georgia
Georgia
406 complaints
- Illinois 240
Illinois
240 complaints
- Nevada 237
Nevada
237 complaints
- Arizona 231
Arizona
231 complaints
- Washington 192
Washington
192 complaints
Frequently Asked Questions
What is the most common complaint against T.S. Holdings? ▼
The most common issue consumers report about T.S. Holdings is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 4,745 complaints filed with the CFPB.
Are complaints against T.S. Holdings increasing or decreasing? ▼
Complaints against T.S. Holdings are rising. The company received 1,945 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is T.S. Holdings's reputation grade? ▼
T.S. Holdings has a reputation grade of F (score: 47.7/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does T.S. Holdings respond to consumer complaints? ▼
T.S. Holdings has a 100% timely response rate to CFPB complaints.
In how many states does T.S. Holdings operate? ▼
T.S. Holdings has received CFPB complaints from consumers in 52 states, with the most complaints from Texas (842 complaints).
What can I do if T.S. Holdings 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 T.S. Holdings 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 |