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 0.2% 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. (0.2% of filings sit in the top three names). A complaint is a consumer filing, not a proven violation.

Active Debt Collectors - Page 5

Sorted by most complaints

Unifin Inc.

D
17 total complaints ↑ rising

Zwicker & Associates

D
17 total complaints → stable

Accounts Research, Inc.

C
16 total complaints ↓ falling

Asset Management Outsourcing, Inc.

D
16 total complaints ↓ falling

Atlanticus Services Corporation

D
16 total complaints ↑ rising

ORG GC GP Buyer, LLC

D
16 total complaints ↓ falling

Revco Management, LLC

F
16 total complaints ↑ rising

Strategic Alliances, Inc.

D
16 total complaints ↓ falling

Waypoint Resource Group, LLC

F
16 total complaints ↑ rising

Continental Services Group, Inc. d/b/a ConServe

C
15 total complaints → stable

Direct Recovery Services, LLC

F
15 total complaints ↓ falling

Sterling Jewelers, Inc.

C
15 total complaints ↓ falling

SinglePoint GI

F
15 total complaints ↑ rising

Ditech Financial LLC

D
14 total complaints ↓ falling

First Heritage Credit LLC

C
14 total complaints ↓ falling

Financial Business and Consumer Solutions.

D
14 total complaints ↓ falling

Firstsource Business Process Services, LLC

D
14 total complaints → stable

Harvard Collections, LLC

D
14 total complaints ↓ falling

Ocwen Financial Corporation

D
14 total complaints ↓ falling

Stone Higgs & Drexler

B
14 total complaints ↓ falling

Torriere Holdings INC

C
14 total complaints ↑ rising

URS Holding, LLC

D
14 total complaints ↓ falling

Upstart Holdings, Inc.

F
14 total complaints ↑ rising

Aargon Agency, Inc.

F
13 total complaints → stable

American First Finance, Inc.

F
13 total complaints → stable

Atlantic Credit & Finance, Inc.

C
13 total complaints ↓ falling

Collection Bureau of America Ltd.

F
13 total complaints ↓ falling

Delbert Services

D
13 total complaints ↓ falling

First National Bank of Omaha

D
13 total complaints → stable

Fenton & McGarvey Law Firm, P.S.C.

D
13 total complaints ↓ falling

Hovg, LLC

F
13 total complaints ↓ falling

KLS Financial Services, Inc

F
13 total complaints → stable

Law Office of Michael J. Scott, PC

D
13 total complaints → stable

Onemain Financial Holdings, LLC.

D
13 total complaints ↓ falling

Possible Financial Inc

F
13 total complaints ↑ rising

Real Time Group, Inc.

D
13 total complaints ↓ falling

Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch

D
13 total complaints ↓ falling

Seattle Service Bureau, Inc

D
13 total complaints → stable

Starmark Financial LLC

F
13 total complaints ↑ rising

AES/Pheaa

D
12 total complaints ↓ falling

AR Resources, Inc.

D
12 total complaints ↓ falling

Arco Collection Services LLC

F
12 total complaints ↓ falling

Bull City Financial Solutions, Inc

D
12 total complaints ↑ rising

Check Into Cash Inc.

C
12 total complaints ↓ falling

Client Services, Inc.

D
12 total complaints → stable

Credit Card Receivables Fund Incorporated

D
12 total complaints ↓ falling

Elevate Recoveries, LLC

F
12 total complaints ↓ falling

First National Collection Bureau, Inc.

D
12 total complaints ↓ falling

Garner & Conner, PLLC

C
12 total complaints ↓ falling

Healthcare Receivables Group, Inc.

C
12 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.