CFPB Consumer Complaint Profile

The Thomas Agency, Inc.

Consumers have filed 213 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

213
Total complaints
28
Last 12 months
15%
Timely response
19
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, The Thomas Agency, Inc. has accumulated 213 complaints, placing it #891 by volume. Its on-time response rate is 15%, trailing the 93% median among companies with 100+ complaints.

#891
of 3,848 companies by volume
15%
answered on time
Debt collection
most-complained product
19
states with complaints
The Thomas Agency, Inc. timely response rate 15.0%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Medical debt 85
Debt collection - Medical 43
Debt collection - I do not know 30
Debt collection - Other debt 18
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 15
Debt collection - Other (i.e. phone, health club, etc.) 10
Credit reporting or other personal consumer reports - Credit reporting 8
Debt collection - Auto 1
Debt collection - Credit card 1
Debt collection - Federal student loan debt 1

Top Issues

1.Attempts to collect debt not owed 60
2.Cont'd attempts collect debt not owed 44
3.Written notification about debt 30
4.Communication tactics 16
5.False statements or representation 16
6.Incorrect information on your report 14
7.Disclosure verification of debt 12
8.Took or threatened to take negative or legal action 6
9.Problem with a credit reporting company's investigation into an existing problem 5
10.Improper use of your report 3

Complaints by Year

Year Complaints
2013 2
2014 16
2015 23
2016 14
2017 19
2018 23
2019 14
2020 12
2021 22
2022 13
2023 13
2024 9
2025 29
2026 4

Complaints by State (Top 15)

Maine 154
Florida 12
New Hampshire 8
Georgia 5
South Carolina 4
California 4
Arizona 4
Colorado 3
Massachusetts 3
New Jersey 2
Washington 2
Kentucky 2
West Virginia 2
North Carolina 2
New Mexico 1

Company Responses

Untimely response 127
Closed with explanation 86

What the CFPB Complaint Record Shows for The Thomas Agency, Inc.

The Thomas Agency, Inc. carries 213 complaints in the CFPB's database, 28 of them filed within the past 12 months. Consumers spanning 19 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

15% of CFPB-forwarded complaints against The Thomas Agency, Inc. get a reply inside the Bureau's 15-day window. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. In 15.4% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 The Thomas Agency, Inc. have?

213 complaints have been filed against The Thomas Agency, Inc. with the CFPB overall - 28 of them in the past year.

Does The Thomas Agency, Inc. respond to complaints on time?

The Thomas Agency, Inc. has a 15% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.

What product generates the most complaints for The Thomas Agency, Inc.?

The most complained-about product for The Thomas Agency, Inc. is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with The Thomas Agency, Inc.?

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against The Thomas Agency, Inc. - see all issues and counts above.

How do I file a complaint against The Thomas Agency, Inc.?

You can file a complaint against The Thomas Agency, 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 The Thomas Agency, Inc.?

Consumers in 19 states and territories have filed complaints about The Thomas Agency, 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.

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Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

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