CFPB Consumer Complaint Profile
Thrivepoint Financial Holdings, Inc.
Behind the 30 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 30
- Total complaints
- Mid-range
- 3
- Last 12 months
- 50%
- Timely response
- Bottom decile
- 8
- States affected
The verdict
30 CFPB complaints put Thrivepoint Financial Holdings, Inc. at #2333 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 50%, the 3rd percentile among companies with 100+ complaints.
- #2333
- of 3,843 companies by volume
- 50%
- on time (3rd pctile)
- Payday loan, title l…
- most-complained product
- 8
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Thrivepoint Financial Holdings, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
50% Among the lowest higher than 3% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2019 | 7 |
| 2020 | 8 |
| 2021 | 10 |
| 2022 | 1 |
| 2024 | 1 |
| 2025 | 2 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Thrivepoint Financial Holdings, Inc.
30 complaints against Thrivepoint Financial Holdings, Inc. appear in the CFPB record, including 3 from the trailing year. The 8 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Payday loan, title loan, or personal loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Trouble during payment process" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Thrivepoint Financial Holdings, Inc. draw a 50% reply rate inside the Bureau's 15-day window. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Among resolved complaints, 20% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Thrivepoint Financial Holdings, Inc. have?
Thrivepoint Financial Holdings, Inc. has 30 total consumer complaints filed with the CFPB, with 3 filed in the last 12 months.
Does Thrivepoint Financial Holdings, Inc. respond to complaints on time?
Thrivepoint Financial Holdings, Inc. has a 50% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Thrivepoint Financial Holdings, Inc.?
Among all products tied to Thrivepoint Financial Holdings, Inc., "Payday loan, title loan, or personal loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Thrivepoint Financial Holdings, Inc.?
The most common issue reported by consumers about Thrivepoint Financial Holdings, Inc. is "Trouble during payment process." All complaint issues are listed above with their counts.
How do I file a complaint against Thrivepoint Financial Holdings, Inc.?
You can file a complaint against Thrivepoint Financial Holdings, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Thrivepoint Financial Holdings, Inc.?
Thrivepoint Financial Holdings, Inc. has drawn CFPB complaints from 8 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Payday loan, title loan, or personal loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Thrivepoint Financial Holdings, Inc. have?
Thrivepoint Financial Holdings, Inc. has 30 total consumer complaints filed with the CFPB, with 3 filed in the last 12 months.
Does Thrivepoint Financial Holdings, Inc. respond to complaints on time?
Thrivepoint Financial Holdings, Inc. has a 50% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Thrivepoint Financial Holdings, Inc.?
Among all products tied to Thrivepoint Financial Holdings, Inc., "Payday loan, title loan, or personal loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Thrivepoint Financial Holdings, Inc.?
The most common issue reported by consumers about Thrivepoint Financial Holdings, Inc. is "Trouble during payment process." All complaint issues are listed above with their counts.
How do I file a complaint against Thrivepoint Financial Holdings, Inc.?
You can file a complaint against Thrivepoint Financial Holdings, Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Thrivepoint Financial Holdings, Inc.?
Thrivepoint Financial Holdings, Inc. has drawn CFPB complaints from 8 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.