CFPB · Higher closed-with-relief share
T.S. Holdings
6.7K CFPB complaints · 20% relief (high band) · top issue Attempts to collect debt not owed.
T.S. Holdings closes 20% with relief (upper third) on 6.7K filings. Timely 99.9% · top product Debt collection. Allegations, not findings.
- Higher closed-with-relief share
- +920% filings 2020 to 2026
CFPB relief outcome brief
CCDB company t-s-holdings
20% relief · 99.9% timely · 6.7K filings · Debt collection
Same-product relief peers
Nearest relief peer: Consolidated Management Group, LLC (20% relief)
T.S. Holdings closes 20% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
T.S. Holdings scores strongest on timely response (100/100 percentile-benchmarked) and weakest on closed with explanation (61/100), 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
93 / 100 percentile-benchmarked
20% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
61 / 100 percentile-benchmarked
78.6% of complaints closed with an explanation to the consumer
Most of T.S. Holdings's 6.7K filings include narrative text
42.3% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
T.S. Holdings complaint mix by product
- Debt collection 5K 81.4% – 20% relief
- Credit reporting 936 13.9% – 16% relief
- Credit reporting, 295 4.4% – 26% relief
- Debt or 19 0.3% – 37% relief
- Credit card 1 0.0% – 0% relief
- Credit card 1 0.0% – 0% relief
- Payday loan, 1 0.0% – 0% relief
Heavy-volume mix: how T.S. Holdings's 6.7K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 5.5K |
| Credit reporting or other personal consumer reports | 936 |
| Credit reporting, credit repair services, or other personal consumer reports | 295 |
| Debt or credit management | 19 |
| Credit card | 1 |
| Credit card or prepaid card | 1 |
| Payday loan, title loan, or personal loan | 1 |
Nationwide filing states for T.S. Holdings
Top states by attributed volume, heavy-filing company
- Leading state
- TX
- 18.5% of this company's filings
T.S. Holdings rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 1.5K
- +920% vs 2020
Volume vs. relief
Where T.S. Holdings sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, T.S. Holdings files more complaint volume than 74% of them, and closes complaints with relief more often than 82% of them, placing it in the quadrant for high volume, above-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: 6,744 · Closed with relief: 20.0%
Top States
| State | Complaints |
|---|---|
| TX | 1.2K |
| CA | 813 |
| FL | 640 |
| GA | 602 |
| IL | 353 |
| NV | 330 |
| AZ | 306 |
| WA | 269 |
| NC | 269 |
| SC | 154 |
| LA | 113 |
| TN | 111 |
| CO | 110 |
| NY | 107 |
| MD | 96 |
| MI | 90 |
| AL | 83 |
| PA | 82 |
| VA | 82 |
| MO | 80 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 2.2K |
| Written notification about debt | 1.1K |
| False statements or representation | 967 |
| Took or threatened to take negative or legal action | 739 |
| Incorrect information on your report | 690 |
| Communication tactics | 422 |
| Improper use of your report | 226 |
| Problem with a company's investigation into an existing problem | 203 |
| Problem with a credit reporting company's investigation into an existing problem | 85 |
| Threatened to contact someone or share information improperly | 58 |
| Problem with a company's investigation into an existing issue | 16 |
| Electronic communications | 11 |
| Charged upfront or unexpected fees | 9 |
| Problem with customer service | 7 |
| Credit monitoring or identity theft protection services | 6 |
| Problem with fraud alerts or security freezes | 3 |
| Identity theft protection or other monitoring services | 3 |
| Confusing or missing disclosures | 2 |
| Getting a credit card | 1 |
| Unauthorized withdrawals or charges | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 150 | 99.3% |
| 2021 | 498 | 100% |
| 2022 | 497 | 100% |
| 2023 | 691 | 99.9% |
| 2024 | 1.2K | 100% |
| 2025 | 2.2K | 99.8% |
| 2026 | 1.5K | 100% |
Source: CFPB Consumer Complaint Database
T.S. Holdings in the higher-relief third
T.S. Holdings's 6,744 logged complaints reach a nationwide footprint - 53 states have at least one filing. 42.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2020 through 2026-06-26. Closed-with-relief 20% sits in the upper third of the corpus.
T.S. Holdings closes 20% with monetary or non-monetary relief and answers 99.9% inside the CFPB window; 78.6% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "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 T.S. Holdings.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for T.S. Holdings: 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: 6.7K.
- BMO Bank National Association Δ 96 complaints · 24.9% relief 6.8Kcomplaints
- Sunrise Credit Services, Inc Δ 198 complaints · 0.9% relief 6.5Kcomplaints
- Carrington Mortgage Services, LLC Δ 205 complaints · 0.8% relief 6.9Kcomplaints
- NCB Management Services Inc. Δ 235 complaints · 0.2% relief 6.5Kcomplaints
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.9%.
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 T.S. Holdings (#91 of 342; 99.9% timely; 20% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Higher closed-with-relief share