Total complaints
1
Filed since As o
2026 data Public-data reference. official source
in defiance of federal law
1 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
1 consumer complaints filed with the CFPB
This profile shows in defiance of federal law's complaint history from CFPB public records. 1 consumers have filed complaints since As o. The company has a 0% timely response rate and has provided relief in 0% of cases.
1
Total Complaints
0%
Timely Response
0%
Disputed
0%
Relief Provided
1
States Active
As o
Since
Timely response
0%
CFPB-tracked response window
Relief rate
0%
Closed with monetary or non-monetary relief
Timely response rate 0.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 0.0%
Industry median
Share closed with monetary or non-monetary relief.
in defiance of federal law complaint mix by product
- Portfolio Recovery 1 100.0% – 0% relief
How in defiance of federal law's 1 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Portfolio Recovery has failed to offer me any validation that this alleged debt belongs to me | 1 |
Top States
| State | Complaints |
|---|---|
| Portfolio Recovery continues to regularly update this account on my consumer reports which is causing harm to my credit rating and limiting my ability to obtain new credit. It is a well-known fact of credit collections activity that this is a tactic used to frustrate consumers in an effort to entice them to pay a debt simply to improve their credit rating. I WILL NOT FALL VICTIM TO THIS TACTIC. Plain and simple. | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| or that they as an organization even have legal authority to attempt collections on this alleged debt. At one time | 1 |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About in defiance of federal law
in defiance of federal law has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to As o, and the most recent logged activity is As of the , giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, in defiance of federal law reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Portfolio Recovery has failed to offer me any validation that this alleged debt belongs to me", and the single most common underlying issue is "or that they as an organization even have legal authority to attempt collections on this alleged debt. At one time".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating in defiance of federal law: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does in defiance of federal law have?
in defiance of federal law has received 1 consumer complaints filed with the Consumer Financial Protection Bureau.
Does in defiance of federal law respond to complaints on time?
in defiance of federal law has a 0% timely response rate to CFPB complaints.
What is the most common complaint about in defiance of federal law?
The most common issue reported against in defiance of federal law is "or that they as an organization even have legal authority to attempt collections on this alleged debt. At one time" in the "Portfolio Recovery has failed to offer me any validation that this alleged debt belongs to me" product category.
Read our methodology — how this data is sourced, computed, and verified.
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