CFPB · Single-product concentration
The Thomas Agency, Inc.
217 CFPB complaints · 88.9% in "Debt collection" · top issue Attempts to collect debt not owed.
The Thomas Agency, Inc.: 88.9% of 217 CFPB complaints sit in "Debt collection". Timely 14.7% · relief 0%. Allegations, not findings.
- Single-product concentration
- +300% filings 2013 to 2026
CFPB relief outcome brief
CCDB company the-thomas-agency-inc
0% relief · 14.7% timely · 217 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
The Thomas Agency, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
The Thomas Agency, Inc. scores 0/100 on relief provided, blended into one composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
0 / 100 percentile-benchmarked
14.7% of complaints answered inside the CFPB 15-day window
Closed with explanation
0 / 100 percentile-benchmarked
39.6% of complaints closed with an explanation to the consumer
Most of The Thomas Agency, Inc.'s 217 filings include narrative text
42.4% 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.
The Thomas Agency, Inc. complaint mix by product
- Debt collection 193 88.9% – 0% relief
- Credit reporting, 15 6.9% – 0% relief
- Credit reporting 9 4.1% – 0% relief
How The Thomas Agency, Inc.'s 217 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 193 |
| Credit reporting, credit repair services, or other personal consumer reports | 15 |
| Credit reporting or other personal consumer reports | 9 |
Concentrated filing states for The Thomas Agency, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- ME
- 71.9% of this company's filings
The Thomas Agency, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 8
- +300% vs 2013
Top States
| State | Complaints |
|---|---|
| ME | 156 |
| FL | 12 |
| NH | 9 |
| GA | 5 |
| CA | 4 |
| AZ | 4 |
| SC | 4 |
| MA | 3 |
| CO | 3 |
| WA | 2 |
| NC | 2 |
| NJ | 2 |
| KY | 2 |
| WV | 2 |
| TX | 1 |
| MN | 1 |
| HI | 1 |
| ND | 1 |
| NM | 1 |
| PR | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 61 |
| Cont'd attempts collect debt not owed | 44 |
| Written notification about debt | 30 |
| False statements or representation | 18 |
| Communication tactics | 16 |
| Incorrect information on your report | 15 |
| Disclosure verification of debt | 12 |
| Took or threatened to take negative or legal action | 6 |
| Problem with a credit reporting company's investigation into an existing problem | 5 |
| Improper use of your report | 3 |
| Improper contact or sharing of info | 3 |
| Threatened to contact someone or share information improperly | 2 |
| Problem with a company's investigation into an existing problem | 1 |
| Electronic communications | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 2 | 50% |
| 2014 | 16 | 50% |
| 2015 | 23 | 39.1% |
| 2016 | 14 | 42.9% |
| 2017 | 19 | 21.1% |
| 2018 | 23 | 17.4% |
| 2019 | 14 | 0% |
| 2020 | 12 | 0% |
| 2021 | 22 | 0% |
| 2022 | 13 | 0% |
| 2023 | 13 | 0% |
| 2024 | 9 | 0% |
| 2025 | 29 | 0% |
| 2026 | 8 | 0% |
Source: CFPB Consumer Complaint Database
The Thomas Agency, Inc. filings cluster in one product
The Thomas Agency, Inc.'s 217 logged complaints stay concentrated: only 20 states show a filing. 42.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-05-09.
The Thomas Agency, Inc. answers 14.7% of complaints inside the CFPB's tracked window and closes 39.6% with a written explanation. 0% 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 The Thomas Agency, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for The Thomas Agency, Inc.: 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: 217.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 14.7%.
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 The Thomas Agency, Inc. (14.7% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration