This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 18 complaints

Matthew Thomas & Associates LLC - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade F.

Complaints by issue type

What consumers report about Matthew Thomas & Associates LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 51.1/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Matthew Thomas & Associates LLC ranks ahead of 17% of the 5,283 collectors PlainCollector grades - 83% keep a cleaner CFPB record, on 18 all-time complaints and a 50% timely-response rate.

17th pct
reputation rank of 5,283 graded collectors
18
CFPB complaints, all-time
50%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Matthew Thomas & Associates LLC?

Matthew Thomas & Associates LLC has accumulated 18 total CFPB complaints across 12 states, with 0 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 50% timely-response rate against a 24% consumer-dispute-after-response rate.

Complaints have been recorded across 12 states, led by California with 3 and Ohio with 3. Normalized against the full CFPB collector database, the reputation score of 51.1/100 places Matthew Thomas & Associates LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

18

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

12

regional footprint

Timely response rate

50%

below sla band

Consumer disputes

24%

elevated (vertical avg ~19%)

Reputation grade

F

51.1/100 composite

How does Matthew Thomas & Associates LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

51 Bottom 17% higher than 17% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Matthew Thomas & Associates LLC versus the debt-collection vertical average.

Timely response within SLA 50.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 23.5%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 21.4%

Share of US states + territories with at least one filed complaint against this collector.

How does Matthew Thomas & Associates LLC compare to its peers?

How does Matthew Thomas & Associates LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Matthew Thomas & Assoc… National average
Complaints (last 12 mo)lower is better
0
6
268
Timely-response ratehigher is better
50%
100%
91%
Consumer-dispute ratelower is better
24%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2015-10 2020-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 7
Cont'd attempts collect debt not owed - 4
False statements or representation - 2
Disclosure verification of debt - 2
Improper contact or sharing of info - 2
Taking/threatening an illegal action - 1

Where do complaints against Matthew Thomas & Associates LLC come from?

Matthew Thomas & Associates LLC's own per-state count, not a national baseline.

Top states by complaints against Matthew Thomas & Associates LLC

Across 12 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Matthew Thomas & Associates LLC contacts you

A grade of F signals how Matthew Thomas & Associates LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Matthew Thomas & Associates LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Matthew Thomas & Associates LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Matthew Thomas & Associates LLC? ▼

The most common issue consumers report about Matthew Thomas & Associates LLC is "Communication tactics", specifically "Frequent or repeated calls". This is based on 18 complaints filed with the CFPB.

Are complaints against Matthew Thomas & Associates LLC increasing or decreasing? ▼

Complaints against Matthew Thomas & Associates LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Matthew Thomas & Associates LLC's reputation grade? ▼

Matthew Thomas & Associates LLC has a reputation grade of F (score: 51.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Matthew Thomas & Associates LLC respond to consumer complaints? ▼

Matthew Thomas & Associates LLC has a 50% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.

In how many states does Matthew Thomas & Associates LLC operate? ▼

Matthew Thomas & Associates LLC has received CFPB complaints from consumers in 12 states, with the most complaints from California (3 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.