Total CFPB complaints
18
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 18 complaints
Matthew Thomas & Associates LLC — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Matthew Thomas & Associates LLC
- Communication tactics
Communication tactics
7 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
4 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
F
Grade F · 51.1/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 50% timely-response rate against a 24% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 12 states, led by Ohio with 3 and California with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 51.1/100 places Matthew Thomas & Associates LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
12
Distinct state filings
Timely response rate
50%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
F
51.1/100 composite
Response-quality profile
How Matthew Thomas & Associates LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 47.1%
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?
Matthew Thomas & Assoc… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2014-01 2017-06
Top Consumer Issues
Communication tactics7 (%)
Disclosure verification of debt2 (%)
Cont'd attempts collect debt not owed4 (%)
Improper contact or sharing of info2 (%)
False statements or representation2 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Communication tactics — Frequent or repeated calls
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 4 |
| Communication tactics | Threatened to take legal action | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| False statements or representation | Indicated committed crime not paying | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
Where do complaints against Matthew Thomas & Associates LLC come from?
The states where consumers have filed the most CFPB complaints against Matthew Thomas & Associates LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Matthew Thomas & Associates LLC
Across 12 states with at least one filing
- Ohio
Ohio
3 complaints
- California
California
3 complaints
- Oregon
Oregon
2 complaints
- Texas
Texas
2 complaints
- Alabama 1
Alabama
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- North Carolina 1
North Carolina
1 complaints
- Missouri 1
Missouri
1 complaints
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 have been stable. The company received 0 complaints in the last 12 months.
What is Matthew Thomas & Associates LLC's reputation grade? ▼
Matthew Thomas & Associates LLC has a reputation grade of F (score: 51.1/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 Ohio (3 complaints).
What can I do if Matthew Thomas & Associates LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Matthew Thomas & Associates LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |