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

CFPB complaint data Grade F 179 complaints

Thunderbird Collection Specialists, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 20 states, reputation grade F.

Complaints by issue type

What consumers report about Thunderbird Collection Specialists, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record thunderbird-collection-specialists-inc Thunderbird Collection Specialists, Inc.

Grade F · 179 CFPB filings · 85% timely · lead issue: Communication tactics

  • VOL 179
  • GRADE F
  • 12MO 0
  • STATES 20
  • TIMELY 85%
  • DISPUTE 27%
  • ISSUE Communication tactics
  • RANK #597
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: APEX Asset Management, LLC (179 complaints)

APEX Asset Management, LLCAPEX Asset Management, LLC179Applied Data Finance, LLCApplied Data Finance, LLC179Coast to Coast Financial Solutions, Inc.Coast to Coast Financial Sol…179Pollack & Rosen, P.A.Pollack & Rosen, P.A.179Thunderbird Collection Specialists, Inc. (this)Thunderbird Collection Speci…179
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Thunderbird Collection Specialists, Inc.'s 179 CFPB complaints sit next to APEX Asset Management, LLC 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 →

How the 179 complaints break down

Every complaint issue type on record for Thunderbird Collection Specialists, Inc., not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
48.9/100
Thunderbird Collection Specialists, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
179
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
85%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
27%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

72.6% of Thunderbird Collection Specialists, Inc.'s CFPB filings land in Arizona

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Arizona 72.6%
130 of 179 filings · 20 states touched
Seasonal peak
2026-01 13.5%
8–15% band · 26 filings
Corpus ranks
#597 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Thunderbird Collection Specialists, Inc. compare to its peers?

How does Thunderbird Collection Specialists, 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
Thunderbird Collection Specialists, Inc. National average
Complaints (last 12 mo)lower is better
0
32
268
Timely-response ratehigher is better
85%
99%
91%
Consumer-dispute ratelower is better
27%
19%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Thunderbird Collection Specialists, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 50%60%70%80%90%100%110% 10%15%20%25%30% Timely response rate (%) Dispute rate (%) Thunderbird Collection Specialists, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Thunderbird Collection Specialists, Inc.RMS-Recovery Management Services, Inc.Pollack & Rosen, P.A.Coast to Coast Financial Solutions, Inc.APEX Asset Management, LLCFRESNO CREDIT BUREAUHarpeth Financial Services, LLCInvestment Retrievers, Inc.Oracle Financial Group LLC.SUNTRUST BANKS, INC.
Source: CFPB Consumer Complaint Database

Thunderbird Collection Specialists, Inc.'s complaint volume in context

Thunderbird Collection Specialists, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

179 Top 11% higher than 89% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). This entry sits in this band. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Thunderbird Collection Specialists, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Communication tactics
57
Attempts to collect debt not owed
40
Cont'd attempts collect debt not owed
18
False statements or representation
16
Written notification about debt
14
Took or threatened to take negative or legal action
11
Threatened to contact someone or share information improperly
9
Improper contact or sharing of info
8
Disclosure verification of debt
6

Where do complaints against Thunderbird Collection Specialists, Inc. come from?

Thunderbird Collection Specialists, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Thunderbird Collection Specialists, Inc.

Across 20 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Thunderbird Collection Specialists, 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: 179.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 85.47486033519553%.

4 peers

Know your rights before responding to Thunderbird Collection Specialists, 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.