Debt collector · complaint record
Texas Guaranteed complaints
Consumers have filed 336 complaints about Texas Guaranteed since 2014, 39 of them in the last 12 months (-25% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 336
- Last 12 months
- 39
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #363 of 1,963
Since March 2014
-25% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 9, 2026
Most complained-about debt collectors
Texas Guaranteed complaints by month
The busiest month was March 2017 (9 complaints). Complaints in the last 12 months are down 25% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Texas Guaranteed answered last 12 months
- Closed with explanation39100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-25% vs last year
What Texas Guaranteed complaints are about
Top Texas Guaranteed problems
Inside "Dealing with your lender or servicer"
- Received bad information about your loan 23
- Trouble with how payments are being handled 16
- Need information about your loan balance or loan terms 8
- Don't agree with the fees charged 8
- Problem with customer service 5
- Keep getting calls about your loan 2
Where Texas Guaranteed complaints come from
Most complaints: Texas (156), Florida (42), New York (21), California (13), Georgia (12).
Texas Guaranteed compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | RemexDebt collection | 45 | 39 | D |
| 2 | Merchants Credit BureauDebt collection | 47 | 39 | D |
| 3 | Reliable Credit AssociationDebt collection | 12 | 39 | F |
| 4 | RMS-Recovery Management ServicesDebt collection | 40 | 39 | D |
| 5 | UnisaDebt collection | 18 | 39 | F |
| 6 | Collections USADebt collection | 48 | 39 | D |
| 7 | United AccountsDebt collection | 5 | 39 | F |
| 8 | Texas GuaranteedDebt collection | 60 | 39 | C |
Compare side by side: Texas Guaranteed vs Remex · Texas Guaranteed vs Merchants Credit Bureau · Texas Guaranteed vs Reliable Credit Association · Texas Guaranteed vs RMS-Recovery Management Services
What people say about Texas Guaranteed
All experiencesNo experiences with Texas Guaranteed yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Texas Guaranteed complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 9, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 9, 2026 | Student loans | Dealing with your lender or servicerKeep getting calls about your loan | Explained |
| Aug 19, 2026 | Student loans | Incorrect information on your reportAccount status incorrect | Explained |
| Aug 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 13, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 5, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 23, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jun 16, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Jun 12, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Jun 11, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| May 18, 2026 | Student loans | Dealing with your lender or servicerDon't agree with the fees charged | Explained |
Questions about Texas Guaranteed
How many complaints does Texas Guaranteed have?
Texas Guaranteed has 336 complaints on record since March 2014, including 39 in the last 12 months and 0 in the last 30 days. That makes it number 768 of every company by complaints this year.
Does Texas Guaranteed respond to complaints?
Yes. Texas Guaranteed answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 60/100 (grade C).
What do people complain about most with Texas Guaranteed?
The most common problems are attempts to collect debt not owed (47), took or threatened to take negative or legal action (23), dealing with your lender or servicer (62).
Is Texas Guaranteed legit?
Texas Guaranteed is a real company with a public complaint record: consumers have complained about it 336 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Texas Guaranteed legit? for the signals, red flags and how to protect yourself.
Are complaints about Texas Guaranteed going up or down?
Down. There were 39 complaints in the last 12 months against 52 in the 12 before (-25%). See every month.
How do I file a complaint against Texas Guaranteed?
Complain to Texas Guaranteed in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Texas Guaranteed complaints come from?
Most come from Texas (156), Florida (42), New York (21). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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