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 2026-08-14
- 213
- Total complaints
- Above average
- 28
- Last 12 months
- 15%
- Timely response
- Bottom decile
- 19
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, The Thomas Agency, Inc. has accumulated 213 complaints, placing it #890 by volume. Its on-time response rate is 15%, the 1st percentile among companies with 100+ complaints.
- #890
- of 3,843 companies by volume
- 15%
- on time (1st pctile)
- Debt collection
- most-complained product
- 19
- states with complaints
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.
The Thomas Agency, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
15% Among the lowest higher than 1% 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 9 in 2024 to 29 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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 |
| 2026year in progress | 4 |
Complaints by State (Top 15)
Company Responses
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.
CFPB-forwarded complaints against The Thomas Agency, Inc. draw a 15% reply rate 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. Resolved cases drew a formal consumer-dispute rate of 15.4% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 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, 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 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for The Thomas Agency, Inc.: 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 dispute rates
Nearest companies by share of complaints marked disputed (15.4% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.