State complaint profile

Debt collection complaints in Tennessee

21,990 CFPB complaints filed against 1,252 debt collectors active in Tennessee.

Complaints
21,990
Collectors
1,252
Top collector
Transunion Intermediate Holdings, Inc.

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

Tennessee at a glance

Tennessee consumers have filed 21,990 CFPB debt-collection complaints against 1,252 collectors.

21,990
CFPB complaints filed
1,252
collectors active here
#1
most-complained: Transunion Intermediate Holdings, Inc.

State-of-residence is the consumer's address at filing, not the collector's. A complaint is a consumer filing, not a proven violation.

Insights: Debt Collection in Tennessee

Tennessee filings are dispersed: the top three collectors hold only 0.5% of 21,990 complaints.

This is a dense end-of-ladder state. National debt buyers and the three credit bureaus usually dominate the chart above; use the state mix to see whether one buyer or bureau is over-indexed relative to volume peers before reading the national grade curve.

The collector with the most complaints from Tennessee residents in this extract is Transunion Intermediate Holdings, Inc. (0.5% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 3

Sorted by most complaints

Phoenix Financial Services LLC

D
37 total complaints ↓ falling

Receivables Performance Management, LLC

D
37 total complaints ↓ falling

Security Finance Corp

C
37 total complaints ↑ rising

Stellar Recovery, Inc.

D
37 total complaints ↓ falling

TD Bank US Holding Company

D
37 total complaints ↑ rising

Ecmc Group, Inc.

D
36 total complaints ↓ falling

Javitch, Block & Rathbone LLC

D
36 total complaints → stable

Nathan & Nathan, P.C.

C
36 total complaints ↓ falling

United Collection Bureau, Inc.

D
36 total complaints → stable

Cheadle Law Firm

B
35 total complaints ↓ falling

Finkelstein, Kern, Steinberg & Cunningham, PC

D
35 total complaints → stable

Tenet Healthcare Corporation

D
35 total complaints ↓ falling

Iqor US Inc

D
33 total complaints ↓ falling

Rfna, LP

C
33 total complaints ↑ rising

Stenger & Stenger, P.C

D
33 total complaints → stable

U.s. Bancorp

D
33 total complaints ↓ falling

Lockhart, Morris & Montgomery Inc.

D
32 total complaints ↑ rising

Paypal Holdings, Inc

D
32 total complaints ↓ falling

Velocity Portfolio Group

D
32 total complaints → stable

Community Choice Financial, Inc.

D
31 total complaints ↓ falling

Diversified Adjustment Service, Inc.

D
31 total complaints → stable

Bridgecrest Acceptance Corporation

D
30 total complaints ↑ rising

Exeter Finance, LLC.

D
30 total complaints ↑ rising

Robinson, Reagan and Young PLLC

F
30 total complaints ↓ falling

Dynamic Recovery Solutions, LLC

D
29 total complaints ↓ falling

First Credit Services Inc.

D
29 total complaints ↑ rising

HCFS Healthcare Financial Services of TeamHealth

F
29 total complaints ↓ falling

Jon Barry and Associates, Inc.

C
29 total complaints ↓ falling

Medical Data Systems, Inc.

D
29 total complaints ↓ falling

Mendelson Law Firm

C
29 total complaints ↓ falling

Zions Debt Holdings

F
29 total complaints ↑ rising

Consumer Adjustment Company Incorporated

D
28 total complaints → stable

Mariner Finance, LLC

D
28 total complaints ↑ rising

Optima Recovery Services LLC.

C
28 total complaints ↓ falling

The Bureaus, Inc.

D
28 total complaints → stable

The Outsource Group, Inc

F
28 total complaints ↓ falling

Universal Collection Systems, Inc

B
28 total complaints → stable

JH Portfolio Debt Equities, LLC

D
27 total complaints ↓ falling

Kikoff Inc.

F
27 total complaints ↑ rising

Opportunity Financial, LLC

C
27 total complaints ↑ rising

Truist Financial Corporation

F
27 total complaints ↑ rising

Absolute Resolutions Corp.

C
26 total complaints ↑ rising

Colony Brands, Inc.

F
26 total complaints → stable

Credit Central Holdings, LLC

C
26 total complaints ↑ rising

LJ Ross Associates

D
26 total complaints ↑ rising

Monterey Financial Services LLC

D
26 total complaints ↑ rising

Populus Financial Group, Inc. (F/K/A Ace Cash Express)

D
26 total complaints ↓ falling

Toyota Motor Credit Corporation

D
26 total complaints ↑ rising

Williams & Fudge, Inc

D
26 total complaints → stable

Alorica Inc.

D
25 total complaints ↓ falling

If a collector is contacting you in Tennessee

High-volume states still start with the federal record, then verify any state-law question with an official source.

  • Start with the densest Tennessee names on the chart, then open each national record before you respond or pay. Browse rankings
  • Demand written debt validation within 30 days of first contact - high-volume states see the same FDCPA clock. Validation letter
  • File with the CFPB first (public record + 15-day company reply), then check official Tennessee AG channels if needed. Your rights

Complaint volume reflects consumer filings, not collector misconduct or a legal conclusion. This is not legal advice.

Read our methodology - how this data is sourced, computed, and verified.

Read with Tennessee

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.

Filing a Complaint as a Tennessee Resident

Tennessee's dense filing book means the CFPB channel at consumerfinance.gov/complaint is usually the fastest public-record path (15-day company reply). Parallel options: the Tennessee attorney general's consumer division and the state banking-and-finance regulator that may license collectors here. Open the CFPB complaint form.