Total CFPB complaints
16
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 16 complaints
Thrive National Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 8 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Thrive National Corporation
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
5 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Disclosure verification of debt
Disclosure verification of debt
2 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
F
Grade F · 49.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Thrive National Corporation?
Thrive National Corporation has accumulated 16 total CFPB complaints across 8 states, with 2 filed in the most recent 12 months against 14 historical complaints before that window. The trailing-12-month volume represents 12.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 25% timely-response rate against a 0% 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 8 states, led by Tennessee with 5 and Florida 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 49.2/100 places Thrive National Corporation 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
2
12.5% of total history
Rising ↑
States active
8
Distinct state filings
Timely response rate
25%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
49.2/100 composite
Response-quality profile
How Thrive National Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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 14.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Thrive National Corporation compare to its peers?
Thrive National Corpor… 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)
2015-09 2026-01
Top Consumer Issues
Attempts to collect debt not owed4 (%)
Cont'd attempts collect debt not owed5 (%)
Took or threatened to take negative or legal action3 (%)
Disclosure verification of debt2 (%)
Written notification about debt1 (%)
Communication tactics1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
Where do complaints against Thrive National Corporation come from?
The states where consumers have filed the most CFPB complaints against Thrive National Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Thrive National Corporation
Across 8 states with at least one filing
- Tennessee
Tennessee
5 complaints
- Florida
Florida
3 complaints
- Georgia
Georgia
2 complaints
- Mississippi
Mississippi
2 complaints
- Ohio 1
Ohio
1 complaints
- Connecticut 1
Connecticut
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- California 1
California
1 complaints
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 16 complaints filed with the CFPB.
Are complaints against Thrive National Corporation increasing or decreasing? ▼
Complaints against Thrive National Corporation are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Thrive National Corporation's reputation grade? ▼
Thrive National Corporation has a reputation grade of F (score: 49.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 8 states, with the most complaints from Tennessee (5 complaints).
What can I do if Thrive National Corporation 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 Thrive National Corporation 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 |