The Money Source (TMS)
Ranked #61 of 75 by complaint volume · 799 complaints · 99.1% timely response
I haven't yet checked The Money Source (TMS)'s phone numbers against its own website, so I don't list them here. The number printed on your mortgage statement is the one to use.
How The Money Source (TMS) Compares
For The Money Source (TMS), "Trouble during payment process" accounts for 57.1% of CFPB mortgage complaints in this profile; volume fell 47% from 2024 to 2025, ranking it #61 of 75 mortgage servicers tracked here by CFPB complaint volume and in this tracked set's lower third; this profile has no linked CFPB enforcement action.
Compare the nearest profiles by complaint volume: CMG Financial and New American Funding.
What Borrowers Complain About
The Money Source (TMS) borrowers' most common complaint category is "Trouble during payment process" at 57.1% of all complaints, followed by "Struggling to pay mortgage" at 21.9%. The three most cited specific problems are: "account status incorrect" (1.8%), "account information incorrect" (1.3%), "trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure" (1%).
The third most common category is "Applying for a mortgage or refinancing an existing mortgage" at 4.9%, representing 39 complaints.
Other frequently cited problems include "escrow, taxes, or insurance" (0.9%) and "loan sold or transferred to another company" (0.5%).
Complaint volume fell for 3 consecutive years (2022: 147, 2023: 51, 2024: 15, 2025: 8).
Most complaints involve conventional mortgages (41.4%), followed by FHA mortgages (34.8%).
The Money Source (TMS)'s consumer dispute rate of 1.3% is below the 8.3% industry average.
Complaint Volume Over Time
Annual Consumer Financial Protection Bureau complaint volume for The Money Source (TMS) from 2012 to present.
Annual Complaints — The Money Source (TMS)
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Recent Monthly Trend
Monthly complaint volume over the last 24 months.
Monthly Complaints — The Money Source (TMS)
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Top Complaint Issues
| Issue | Count | Share |
|---|---|---|
| Trouble during payment process | 456 | 57.1% |
| Struggling to pay mortgage | 175 | 21.9% |
| Applying for a mortgage or refinancing an existing mortgage | 39 | 4.9% |
| Closing on a mortgage | 39 | 4.9% |
| Loan servicing, payments, escrow account | 37 | 4.6% |
| Incorrect information on your report | 26 | 3.3% |
| Problem with a credit reporting company's investigation into an existing problem | 7 | 0.9% |
| Loan modification,collection,foreclosure | 5 | 0.6% |
| Application, originator, mortgage broker | 5 | 0.6% |
| Settlement process and costs | 3 | 0.4% |
How The Money Source (TMS) Responds
The Money Source (TMS) closes 98.1% of complaints with an explanation — meaning they responded but did not necessarily fix the borrower's issue. Only The share of complaints closed with monetary relief was 1.1% to the borrower. Borrowers disputed 1.3% of responses, below the 8.3% industry average.
| Response Type | Count | Share |
|---|---|---|
| Closed with explanation | 784 | 98.1% |
| Closed with monetary relief Monetary relief | 9 | 1.1% |
| Closed with non-monetary relief Non-monetary relief | 5 | 0.6% |
| Closed | 1 | 0.1% |
Top States by Complaint Volume
View all 46 locations
| State | Complaints |
|---|---|
| CA | 114 |
| TX | 71 |
| GA | 51 |
| FL | 49 |
| NJ | 38 |
| CO | 34 |
| PA | 34 |
| NY | 33 |
| WA | 30 |
| IL | 29 |
| TN | 26 |
| AZ | 21 |
| VA | 19 |
| OK | 16 |
| MD | 16 |
| OH | 14 |
| KY | 13 |
| NC | 13 |
| OR | 12 |
| MA | 12 |
| MI | 11 |
| NV | 10 |
| SC | 9 |
| AL | 8 |
| NE | 8 |
| NM | 8 |
| KS | 8 |
| MN | 8 |
| LA | 7 |
| MO | 7 |
| IN | 7 |
| UT | 6 |
| CT | 6 |
| WI | 6 |
| NH | 6 |
| IA | 5 |
| AK | 4 |
| WV | 4 |
| DE | 3 |
| ID | 2 |
| RI | 2 |
| SD | 2 |
| ND | 1 |
| WY | 1 |
| VT | 1 |
| MS | 1 |
The Money Source (TMS)'s complaints concentrate in California (114), Texas (71), and Georgia (51). These three states account for 30% of all complaints. If you're dealing with The Money Source (TMS), check your state's foreclosure laws — protections vary significantly. Law pages for its top complaint states: California, Texas and Georgia.
Enforcement Record
We don't list a CFPB enforcement action against The Money Source (TMS). Our list is curated, so that isn't a finding that none exists; the CFPB's enforcement page is the full record. The database includes 799 complaints since 2012, one of the smaller complaint footprints among the top 75 servicers.
You can file a CFPB complaint about The Money Source (TMS), which responded to 99.1% of complaints within the required timeframe.
Legal History
We list no enforcement actions, Department of Justice settlements, state attorney general actions or class actions for The Money Source (TMS). That describes the cases we track, not a finding that none exist. Court dockets and your state attorney general's office are the places to check.
Search The Money Source (TMS) Complaints
Browse the 500 most recent complaints filed against The Money Source (TMS). Filter by issue type, state, date range, or keyword. Try filtering by "Trouble during payment process" — it represents 57.1% of all complaints. Most complaints originate from California.
Know Your Rights with The Money Source (TMS)
File a CFPB Complaint
If The Money Source (TMS) is mishandling your mortgage, file a complaint with the CFPB. The Money Source (TMS) currently responds to 99.1% of complaints on time, ranking #45 of 75 servicers.
Send a Qualified Written Request
A qualified written request asks about servicing your mortgage account. The federal servicing guide explains which requests are covered, where they go, and the response requirements and exceptions.
Get Free Housing Counseling
A HUD-approved housing counselor can review The Money Source (TMS)'s actions on your account, help you negotiate, and guide loss mitigation options — at no cost. If you're in California (their highest complaint state), find local help.
Find Legal Aid
If The Money Source (TMS) is violating federal servicing rules, a legal aid attorney may represent you for free. A complaint record describes reported problems, rather than a finding about your account.
Letters about your mortgage account
A qualified written request asks about servicing your loan. A notice of error identifies a servicing error. Federal rules have different requirements and exceptions for these letters; the guide to your rights explains them.
Disclaimer: Complaint counts reflect consumer-reported issues submitted to the CFPB and do not indicate wrongdoing. This data is provided for informational purposes only and should not be construed as legal or financial advice. Complaint volume correlates with servicer size — larger servicers with more customers naturally receive more complaints.
Questions about The Money Source (TMS)
How many complaints does The Money Source (TMS) have?
The Money Source (TMS) has 799 mortgage-related complaints in the CFPB database since 2012, ranking #61 out of the top 75 mortgage servicers by complaint volume. Their timely response rate is 99.1%, which is above the 98.8% average across the 75 largest servicers. Complaint volume fell 47% between 2024 and 2025.
What is the most common complaint about The Money Source (TMS)?
The most common complaint category is "Trouble during payment process" at 57.1% of all complaints — payment processing problems — misapplied payments, escrow calculation errors, and billing disputes. Borrowers report payments credited late or to the wrong account, escrow shortages they weren't notified about, and unexplained fee charges. The most frequently cited specific problem is "account status incorrect" (1.8% of complaints). The second most common category is "Struggling to pay mortgage" at 21.9%.
Has The Money Source (TMS) faced any CFPB enforcement actions?
We don't list a CFPB enforcement action against The Money Source (TMS). Our list is curated, so that isn't a finding that none exists; the CFPB enforcement page is the full record. The database includes 799 complaints, ranking #61 by volume among the 75 largest servicers. You can file one at consumerfinance.gov/complaint; the CFPB sends it to the company, where the company can respond through the CFPB process.
How do I file a complaint against The Money Source (TMS)?
File at consumerfinance.gov/complaint. Select "Mortgage" as the product type and name The Money Source (TMS) as the company. Select "Conventional home mortgage" as the sub-product — 41.4% of complaints against The Money Source (TMS) fall in this category. Describe your issue in detail — include dates, account numbers, and any written correspondence. The CFPB forwards your complaint to The Money Source (TMS), where the company can respond through the CFPB process. You can also send a Qualified Written Request (QWR) under RESPA § 6 directly to the servicer, which has requirements and exceptions explained in the linked guide.
What does the timely response rate mean for The Money Source (TMS)?
The 99.1% timely response rate means The Money Source (TMS) responded to that share of complaints within the CFPB's applicable response window, ranking #45 of 75 servicers. The industry average is 98.8%. The share of complaints closed with monetary relief was 1.1% and 0.6% in non-monetary relief (such as account corrections or fee waivers). "Closed with explanation" — the most common outcome at 98.1% — means the servicer responded but did not necessarily resolve the borrower's issue.