CFPB Consumer Complaint Profile
T.S. Holdings
The CFPB complaints on file trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 5,831
- Total complaints
- Among the highest
- 2,345
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 53
- States affected
The verdict
T.S. Holdings ranks #92 of 3,843 financial companies by CFPB complaint volume. For answering complaints on time it stands at the 82nd percentile in the 100+ complaint peer group.
- Debt collection
- most-complained product
- TX
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
T.S. Holdings vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 1,170 in 2024 to 2,208 in 2025 (2024 → 2025).
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2020 | 150 |
| 2021 | 498 |
| 2022 | 497 |
| 2023 | 691 |
| 2024 | 1,170 |
| 2025 | 2,208 |
| 2026year in progress | 617 |
Complaints by State (Top 15)
Company Responses
T.S. Holdings Complaint Concentration Profile
T.S. Holdings's complaint volume is large enough to measure concentration - not just the headline totals. Across 19 named product lines in the stored breakdown, the leading three (Debt collection, Debt collection, Debt collection) hold a 79.4% share of product-tagged complaints. The Herfindahl index on that product mix is 0.252 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Attempts to collect debt not owed, Written notification about debt, False statements or representation) cover a 63.0% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Texas, California, Florida) hold a 39.8% share of state-tagged volume across 53 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 84.5% share among the 5,831 response-tagged complaints (4,925 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (2,208 complaints); the lightest year on file was 2020 (150). From 2024 to 2025, annual volume rose 88.7% (1,170 → 2,208). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for T.S. Holdings
In the CFPB record, T.S. Holdings has a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
The timely-response measure counts forwarded complaints answered inside the Bureau's 15-day window. This company's rate is at or above the industry benchmark, which suggests its intake and escalation processes are functioning as designed. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for T.S. Holdings: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does T.S. Holdings have?
T.S. Holdings has 5,831 total consumer complaints filed with the CFPB, with 2,345 filed in the last 12 months.
Does T.S. Holdings respond to complaints on time?
CFPB complaints against T.S. Holdings draw a 99.9% timely-response rate inside the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for T.S. Holdings?
"Debt collection" draws more CFPB complaints against T.S. Holdings than any other product - see the full breakdown above.
What is the most common complaint issue with T.S. Holdings?
The most common issue reported by consumers about T.S. Holdings is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against T.S. Holdings?
You can file a complaint against T.S. Holdings directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about T.S. Holdings?
Consumers in 53 states and territories have filed complaints about T.S. Holdings with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.