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

Data updated July 2026

F

Grade F · 52.3/100 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: Thunderbird Collection Specialists, Inc. ranks ahead of 19% of the 5,283 collectors PlainCollector grades - 81% keep a cleaner CFPB record, on 179 all-time complaints and a 85% timely-response rate.

19th pct
reputation rank of 5,283 graded collectors
179
CFPB complaints, all-time
85%
answered inside the CFPB window
0
in the last 12 months (falling)

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 Thunderbird Collection Specialists, Inc.?

Thunderbird Collection Specialists, Inc. has accumulated 179 total CFPB complaints across 20 states, with 0 filed in the most recent 12 months against 179 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Debt is not yours". The company posts a 85% timely-response rate against a 27% consumer-dispute-after-response rate.

Complaints have been recorded across 20 states, led by Arizona with 130 and California with 19. Normalized against the full CFPB collector database, the reputation score of 52.3/100 places Thunderbird Collection Specialists, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

179

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

20

multi-region footprint

Timely response rate

85%

acceptable band

Consumer disputes

27%

elevated (vertical avg ~19%)

Reputation grade

F

52.3/100 composite

How does Thunderbird Collection Specialists, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

52 Bottom 19% higher than 19% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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

Thunderbird Collection Specialists, Inc. versus the debt-collection vertical average.

Timely response within SLA 85.5%
Vertical avg

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

Consumer dispute rate (post-response) 27.4%
Vertical avg

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

State coverage breadth 35.7%

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

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, drawn from 10 collectors with a comparable complaint count
Thunderbird Collection… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Thunderbird Collection Specialists, Inc. contacts you

A grade of F signals how Thunderbird Collection Specialists, Inc.'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 Thunderbird Collection Specialists, Inc. 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 Thunderbird Collection Specialists, Inc. 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 Thunderbird Collection Specialists, Inc.? ▼

The most common issue consumers report about Thunderbird Collection Specialists, Inc. is "Communication tactics", specifically "Debt is not yours". This is based on 179 complaints filed with the CFPB.

Are complaints against Thunderbird Collection Specialists, Inc. increasing or decreasing? ▼

Complaints against Thunderbird Collection Specialists, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Thunderbird Collection Specialists, Inc.'s reputation grade? ▼

Thunderbird Collection Specialists, Inc. has a reputation grade of F (score: 52.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Thunderbird Collection Specialists, Inc. respond to consumer complaints? ▼

Thunderbird Collection Specialists, Inc. has a 85% timely response rate to CFPB complaints. Consumers disputed the company's response in 27% of cases.

In how many states does Thunderbird Collection Specialists, Inc. operate? ▼

Thunderbird Collection Specialists, Inc. has received CFPB complaints from consumers in 20 states, with the most complaints from Arizona (130 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.