CFPB Consumer Complaint Profile
Tennessee Credit Management, Inc
Behind the 41 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 41
- Total complaints
- Mid-range
- 26
- Last 12 months
- 100%
- Timely response
- Top decile
- 13
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Tennessee Credit Management, Inc has accumulated 41 complaints, placing it #2018 by volume. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #2018
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 13
- states with 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.
Tennessee Credit Management, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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 8 in 2024 to 19 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2024 | 8 |
| 2025 | 19 |
| 2026year in progress | 14 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Tennessee Credit Management, Inc
41 complaints against Tennessee Credit Management, Inc appear in the CFPB record, including 26 from the trailing year. The 13 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Written notification about debt," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Tennessee Credit Management, Inc draw a 100% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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.
Frequently Asked Questions
How many CFPB complaints does Tennessee Credit Management, Inc have?
41 complaints have been filed against Tennessee Credit Management, Inc with the CFPB overall - 26 of them in the past year.
Does Tennessee Credit Management, Inc respond to complaints on time?
CFPB complaints against Tennessee Credit Management, Inc draw a 100% 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 Tennessee Credit Management, Inc?
Among all products tied to Tennessee Credit Management, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Tennessee Credit Management, Inc?
The most common issue reported by consumers about Tennessee Credit Management, Inc is "Written notification about debt." All complaint issues are listed above with their counts.
How do I file a complaint against Tennessee Credit Management, Inc?
You can file a complaint against Tennessee Credit Management, Inc 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 Tennessee Credit Management, Inc?
Consumers in 13 states and territories have filed complaints about Tennessee Credit Management, Inc 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.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Tennessee Credit Management, Inc have?
41 complaints have been filed against Tennessee Credit Management, Inc with the CFPB overall - 26 of them in the past year.
Does Tennessee Credit Management, Inc respond to complaints on time?
CFPB complaints against Tennessee Credit Management, Inc draw a 100% 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 Tennessee Credit Management, Inc?
Among all products tied to Tennessee Credit Management, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Tennessee Credit Management, Inc?
The most common issue reported by consumers about Tennessee Credit Management, Inc is "Written notification about debt." All complaint issues are listed above with their counts.
How do I file a complaint against Tennessee Credit Management, Inc?
You can file a complaint against Tennessee Credit Management, Inc 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 Tennessee Credit Management, Inc?
Consumers in 13 states and territories have filed complaints about Tennessee Credit Management, Inc 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.