Total CFPB complaints
179
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 179 complaints
Thunderbird Collection Specialists, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 20 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Thunderbird Collection Specialists, Inc.
- Communication tactics
Communication tactics
50 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
36 complaints
- Cont'd attempts collect debt not owed 16
Cont'd attempts collect debt not owed
16 complaints
- False statements or representation 14
False statements or representation
14 complaints
- Written notification about debt 9
Written notification about debt
9 complaints
- Took or threatened to take negative or legal action 7
Took or threatened to take negative or legal action
7 complaints
F
Grade F · 52.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Thunderbird Collection Specialists, Inc.?
Thunderbird Collection Specialists, Inc. has accumulated 179 total CFPB complaints across 20 states, with 6 filed in the most recent 12 months against 173 historical complaints before that window. The trailing-12-month volume represents 3.4% 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 "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 85% timely-response rate against a 27% 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 20 states, led by Arizona with 130 and California with 19, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.3/100 places Thunderbird Collection Specialists, Inc. 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
6
3.4% of total history
Falling ↓
States active
20
Distinct state filings
Timely response rate
85%
Within CFPB SLA window
Consumer disputes
27%
After company response
Reputation grade
F
52.3/100 composite
Response-quality profile
How Thunderbird Collection Specialists, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 54.8%
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?
Thunderbird Collection… 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)
2022-03 2025-06
Top Consumer Issues
Attempts to collect debt not owed36 (%)
Communication tactics50 (%)
False statements or representation14 (%)
Cont'd attempts collect debt not owed16 (%)
Written notification about debt9 (%)
Took or threatened to take negative or legal action7 (%)
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 | 27 |
| Communication tactics | Frequent or repeated calls | 26 |
| False statements or representation | Attempted to collect wrong amount | 14 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 13 |
| Communication tactics | Used obscene/profane/abusive language | 11 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Attempts to collect debt not owed | Debt was paid | 9 |
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
Where do complaints against Thunderbird Collection Specialists, Inc. come from?
The states where consumers have filed the most CFPB complaints against Thunderbird Collection Specialists, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Thunderbird Collection Specialists, Inc.
Across 20 states with at least one filing
- Arizona
Arizona
130 complaints
- California 19
California
19 complaints
- Montana 4
Montana
4 complaints
- Texas 3
Texas
3 complaints
- North Carolina 3
North Carolina
3 complaints
- Missouri 2
Missouri
2 complaints
- Georgia 2
Georgia
2 complaints
- Illinois 2
Illinois
2 complaints
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 "Attempts to collect debt not owed", 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 6 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). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if Thunderbird Collection Specialists, Inc. 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 Thunderbird Collection Specialists, Inc. 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 |