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

CFPB complaint data Grade F 19 complaints

Thrive National Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade F.

Complaints by issue type

What consumers report about Thrive National Corporation

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 49.2/100 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: Thrive National Corporation ranks ahead of 13% of the 5,283 collectors PlainCollector grades - 87% keep a cleaner CFPB record, on 19 all-time complaints and a 25% timely-response rate.

13th pct
reputation rank of 5,283 graded collectors
19
CFPB complaints, all-time
25%
answered inside the CFPB window
5
in the last 12 months (stable)

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 Thrive National Corporation?

Thrive National Corporation has accumulated 19 total CFPB complaints across 10 states, with 5 filed in the most recent 12 months against 14 historical complaints before that window. The trailing-12-month volume represents 26.3% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 25% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 10 states, led by Tennessee with 5 and Florida with 3. Normalized against the full CFPB collector database, the reputation score of 49.2/100 places Thrive National Corporation in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

19

low-volume (CCDB)

Last 12 months

5

26.3% of all-time complaints

Stable →

States active

10

regional footprint

Timely response rate

25%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

F

49.2/100 composite

How does Thrive National Corporation's reputation rank nationally?

Reputation score vs. every graded collector

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

49 Bottom 13% higher than 13% 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%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 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

Thrive National Corporation versus the debt-collection vertical average.

Timely response within SLA 25.0%
Vertical avg

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

Consumer dispute rate (post-response) 0.0%
Vertical avg

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

State coverage breadth 17.9%

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

How does Thrive National Corporation compare to its peers?

How does Thrive National Corporation compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Thrive National Corpor… National average
Complaints (last 12 mo)lower is better
5
0
268
Timely-response ratehigher is better
25%
89%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-04 2024-09

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 5
Took or threatened to take negative or legal action - 5
Cont'd attempts collect debt not owed - 5
Disclosure verification of debt - 2
Written notification about debt - 1
Communication tactics - 1

Where do complaints against Thrive National Corporation come from?

Thrive National Corporation's own per-state count, not a national baseline.

Top states by complaints against Thrive National Corporation

Across 10 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Thrive National Corporation contacts you

A grade of F signals how Thrive National Corporation'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 Thrive National Corporation 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 Thrive National Corporation 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 Thrive National Corporation? ▼

The most common issue consumers report about Thrive National Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 19 complaints filed with the CFPB.

Are complaints against Thrive National Corporation increasing or decreasing? ▼

Complaints against Thrive National Corporation have been stable. The company received 5 complaints in the last 12 months.

What is Thrive National Corporation's reputation grade? ▼

Thrive National Corporation has a reputation grade of F (score: 49.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Thrive National Corporation respond to consumer complaints? ▼

Thrive National Corporation has a 25% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Thrive National Corporation operate? ▼

Thrive National Corporation has received CFPB complaints from consumers in 10 states, with the most complaints from Tennessee (5 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.