CFPB · Single-product concentration
BTH Management
2.3K CFPB complaints · 75.6% in "Debt collection" · top issue Attempts to collect debt not owed.
BTH Management: 75.6% of 2.3K CFPB complaints sit in "Debt collection". Timely 99% · relief 0.6%. Allegations, not findings.
- Single-product concentration
- +5200% filings 2016 to 2026
CFPB relief outcome brief
CCDB company bth-management
0.6% relief · 99% timely · 2.3K filings · Debt collection
Same-product relief peers
Nearest relief peer: Credit Corp Solutions Inc. (0.6% relief)
BTH Management closes 0.6% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
BTH Management scores strongest on timely response (98/100 percentile-benchmarked) and weakest on relief provided (3/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
3 / 100 percentile-benchmarked
0.6% of complaints closed with relief to the consumer
Timely response
98 / 100 percentile-benchmarked
99% of complaints answered inside the CFPB 15-day window
Closed with explanation
96 / 100 percentile-benchmarked
97.6% of complaints closed with an explanation to the consumer
How 2.3K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
BTH Management complaint mix by product
- Debt collection 2K 75.8% – 1% relief
- Credit reporting 405 17.7% – 0% relief
- Credit reporting, 96 4.2% – 0% relief
- Payday loan, 27 1.2% – 0% relief
- Payday loan, 18 0.8% – 0% relief
- Vehicle loan 5 0.2% – 0% relief
- Consumer Loan 3 0.1% – 0% relief
How BTH Management's 2.3K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 1.7K |
| Credit reporting or other personal consumer reports | 405 |
| Credit reporting, credit repair services, or other personal consumer reports | 96 |
| Payday loan, title loan, or personal loan | 27 |
| Payday loan, title loan, personal loan, or advance loan | 18 |
| Vehicle loan or lease | 5 |
| Consumer Loan | 3 |
| Debt or credit management | 2 |
| Credit reporting | 2 |
| Credit card | 1 |
| Money transfer, virtual currency, or money service | 1 |
Nationwide filing states for BTH Management
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 18.6% of this company's filings
BTH Management rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 742
- +5200% vs 2016
Volume vs. relief
Where BTH Management sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, BTH Management files more complaint volume than 40% of them, and closes complaints with relief more often than 35% of them, placing it in the quadrant for lower volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 2,297 · Closed with relief: 0.6%
Top States
| State | Complaints |
|---|---|
| TX | 428 |
| LA | 187 |
| GA | 168 |
| FL | 145 |
| SC | 144 |
| OH | 131 |
| TN | 118 |
| CA | 105 |
| AL | 98 |
| MO | 77 |
| VA | 74 |
| NC | 62 |
| MS | 57 |
| MI | 56 |
| AZ | 51 |
| NJ | 41 |
| IN | 38 |
| IL | 35 |
| WI | 27 |
| KY | 24 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 737 |
| Written notification about debt | 366 |
| Took or threatened to take negative or legal action | 288 |
| Incorrect information on your report | 264 |
| False statements or representation | 217 |
| Improper use of your report | 129 |
| Problem with a company's investigation into an existing problem | 87 |
| Communication tactics | 41 |
| Electronic communications | 34 |
| Threatened to contact someone or share information improperly | 27 |
| Problem with a credit reporting company's investigation into an existing problem | 26 |
| Disclosure verification of debt | 15 |
| Cont'd attempts collect debt not owed | 11 |
| Charged fees or interest you didn't expect | 8 |
| Struggling to pay your loan | 8 |
| Received a loan you didn't apply for | 6 |
| Can't contact lender or servicer | 4 |
| Credit monitoring or identity theft protection services | 3 |
| Problem when making payments | 3 |
| Problem with the payoff process at the end of the loan | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 14 | 28.6% |
| 2017 | 89 | 92.1% |
| 2018 | 101 | 100% |
| 2019 | 79 | 100% |
| 2020 | 67 | 100% |
| 2021 | 107 | 100% |
| 2022 | 30 | 100% |
| 2023 | 89 | 97.8% |
| 2024 | 242 | 99.6% |
| 2025 | 737 | 99.9% |
| 2026 | 742 | 99.9% |
Source: CFPB Consumer Complaint Database
BTH Management filings cluster in one product
BTH Management's 2,297 logged complaints reach a nationwide footprint - 48 states have at least one filing. Only 31.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2016 through 2026-06-25.
BTH Management answers 99% of complaints inside the CFPB's tracked window and closes 97.6% with a written explanation. 0.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about BTH Management.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for BTH Management: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 2.3K.
- RentDebt Automated Collections, LLC Δ 27 complaints · 0% relief 2.3Kcomplaints
- Conduent Incorporated Δ 46 complaints · 2.5% relief 2.3Kcomplaints
- Monterey Financial Services LLC Δ 49 complaints · 10.1% relief 2.3Kcomplaints
- Consumer Adjustment Company Incorporated Δ 56 complaints · 1.8% relief 2.4Kcomplaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for BTH Management (#205 of 342; 99% timely; 0.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration