What is the most common complaint against Thrivepoint Financial Holdings, Inc.?

The most common issue consumers report about Thrivepoint Financial Holdings, Inc. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 9 complaints filed with the CFPB.

Are complaints against Thrivepoint Financial Holdings, Inc. increasing or decreasing?

Complaints against Thrivepoint Financial Holdings, Inc. have been stable. The company received 2 complaints in the last 12 months.

What is Thrivepoint Financial Holdings, Inc.'s reputation grade?

Thrivepoint Financial Holdings, Inc. has a reputation grade of F (score: 39.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Thrivepoint Financial Holdings, Inc. respond to consumer complaints?

Thrivepoint Financial Holdings, Inc. has a 33% timely response rate to CFPB complaints.

In how many states does Thrivepoint Financial Holdings, Inc. operate?

Thrivepoint Financial Holdings, Inc. has received CFPB complaints from consumers in 3 states, with the most complaints from California (5 complaints).

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

Thrivepoint Financial Holdings, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade F.

Compiled by PlainCollector

False statements or representation

4
Attempts to collect debt not owed

3
Written notification about debt

1
Took or threatened to take negative or legal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record thrivepoint-financial-holdings-inc Thrivepoint Financial Holdings, Inc.

Grade F · 9 CFPB filings · 33% timely · lead issue: False statements or representation · vol #2657 · compose #4945

VOL 9
GRADE F
12MO 2
STATES 3
TIMELY 33%
ISSUE False statements or repres…
RANK #2,657
COMPOSE #4,945

Volume peers

Nearest volume peer: 1st Results Billings & Collections, Inc. (9 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Thrivepoint Financial Holdings, Inc.'s 9 CFPB complaints sit next to 1st Results Billings & Collections, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

55.6% of Thrivepoint Financial Holdings, Inc.'s CFPB filings land in California

High volume does not equal a clean composite: Thrivepoint Financial Holdings, Inc. is volume #2,657 but composite #4,945, while California dominates the geography. Corpus placement method.

Dominant state: California 55.6%; 5 of 9 filings · 3 states touched
Seasonal peak: 2024-02 12.5%; 8–15% band · 2 filings
Divergent corpus ranks: #2,657 volume; #4,945 composite; Cleanest-composite ladder is 2,288 places worse than volume

How does Thrivepoint Financial Holdings, Inc. compare to its peers?

How does Thrivepoint Financial Holdings, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Thrivepoint Financial … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

33%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-12 2025-07

Issue Detail Breakdown

Issue	Complaints
False statements or representation	4
Attempts to collect debt not owed	3
Written notification about debt	1
Took or threatened to take negative or legal action	1

Where do complaints against Thrivepoint Financial Holdings, Inc. come from?

Thrivepoint Financial Holdings, Inc.'s own per-state count, not a national baseline.

California

5
Florida

2
Missouri

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Thrivepoint Financial Holdings, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 9.

4 peers

Know your rights before responding to Thrivepoint Financial Holdings, Inc.: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.