CFPB · Heavy filing volume
Portfolio Recovery Associates, LLC
61.5K CFPB complaints (heavy-volume third) · 58 states · top issue Attempts to collect debt not owed.
Portfolio Recovery Associates, LLC is in the heavy-volume third with 61.5K CFPB complaints (ranks #13 of 342). Timely 98.8% · relief 37.8% · top product Debt collection. Allegations, not findings.
- Heavy filing volume
- +3246.9% filings 2013 to 2026
CFPB relief outcome brief
CCDB company portfolio-recovery-associates-llc
37.8% relief · 98.8% timely · 61.5K filings · Debt collection
Same-product relief peers
Nearest relief peer: Direcmanagement, Inc. (37.4% relief)
Portfolio Recovery Associates, LLC closes 37.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Portfolio Recovery Associates, LLC scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (23/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
100 / 100 percentile-benchmarked
37.8% of complaints closed with relief to the consumer
Timely response
98 / 100 percentile-benchmarked
98.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
23 / 100 percentile-benchmarked
58.2% of complaints closed with an explanation to the consumer
How 61.5K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Portfolio Recovery Associates, LLC complaint mix by product
- Debt collection 49K 79.1% – 40% relief
- Credit reporting 8K 12.7% – 37% relief
- Credit reporting, 4K 6.9% – 18% relief
- Credit card 420 0.7% – 29% relief
- Credit card 191 0.3% – 22% relief
- Debt or 112 0.2% – 31% relief
- Credit reporting 80 0.1% – 34% relief
Heavy-volume mix: how Portfolio Recovery Associates, LLC's 61.5K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 48.5K |
| Credit reporting or other personal consumer reports | 7.8K |
| Credit reporting, credit repair services, or other personal consumer reports | 4.2K |
| Credit card | 420 |
| Credit card or prepaid card | 191 |
| Debt or credit management | 112 |
| Credit reporting | 80 |
| Consumer Loan | 47 |
| Vehicle loan or lease | 17 |
| Mortgage | 13 |
| Bank account or service | 9 |
| Checking or savings account | 8 |
| Payday loan, title loan, or personal loan | 7 |
| Payday loan, title loan, personal loan, or advance loan | 5 |
| Money transfer, virtual currency, or money service | 4 |
| Payday loan | 4 |
| Student loan | 2 |
| Prepaid card | 1 |
Nationwide filing states for Portfolio Recovery Associates, LLC
Top states by attributed volume, heavy-filing company
- Leading state
- TX
- 12.5% of this company's filings
Portfolio Recovery Associates, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 11.4K
- +3246.9% vs 2013
Volume vs. relief
Where Portfolio Recovery Associates, LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Portfolio Recovery Associates, LLC files more complaint volume than 96% of them, and closes complaints with relief more often than 94% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 61,469 · Closed with relief: 37.8%
Top States
| State | Complaints |
|---|---|
| TX | 7.7K |
| FL | 7.4K |
| CA | 6.7K |
| GA | 4.6K |
| NY | 4.1K |
| PA | 2.6K |
| IL | 2.5K |
| NJ | 1.9K |
| OH | 1.7K |
| SC | 1.5K |
| NC | 1.4K |
| MI | 1.4K |
| MD | 1.4K |
| VA | 1.3K |
| LA | 1.3K |
| AL | 1.2K |
| AZ | 1.1K |
| MA | 1.0K |
| TN | 1.0K |
| WA | 809 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 18.5K |
| Written notification about debt | 8.5K |
| Took or threatened to take negative or legal action | 6.6K |
| Incorrect information on your report | 6.0K |
| False statements or representation | 5.3K |
| Communication tactics | 5.3K |
| Improper use of your report | 2.8K |
| Cont'd attempts collect debt not owed | 1.9K |
| Problem with a company's investigation into an existing problem | 1.9K |
| Problem with a credit reporting company's investigation into an existing problem | 1.3K |
| Disclosure verification of debt | 1.1K |
| Threatened to contact someone or share information improperly | 506 |
| Improper contact or sharing of info | 336 |
| Electronic communications | 256 |
| Taking/threatening an illegal action | 220 |
| Getting a credit card | 143 |
| Incorrect information on credit report | 71 |
| Credit monitoring or identity theft protection services | 62 |
| Other features, terms, or problems | 44 |
| Struggling to pay your bill | 42 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 341 | 100% |
| 2014 | 1.2K | 100% |
| 2015 | 1.5K | 100% |
| 2016 | 1.5K | 100% |
| 2017 | 2.2K | 100% |
| 2018 | 2.9K | 100% |
| 2019 | 2.3K | 100% |
| 2020 | 3.2K | 99.9% |
| 2021 | 4.4K | 100% |
| 2022 | 3.1K | 100% |
| 2023 | 3.7K | 100% |
| 2024 | 7.6K | 99.1% |
| 2025 | 16.2K | 96.1% |
| 2026 | 11.4K | 99.9% |
Source: CFPB Consumer Complaint Database
Portfolio Recovery Associates, LLC in the heavy-volume third
Portfolio Recovery Associates, LLC's 61,469 logged complaints reach a nationwide footprint - 58 states have at least one filing. Only 34.5% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2026-06-26. Volume lands in the heaviest third of the indexed company corpus (#13 of 342).
Portfolio Recovery Associates, LLC answers 98.8% of complaints inside the CFPB's tracked window and closes 58.2% with a written explanation. 37.8% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Portfolio Recovery Associates, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Portfolio Recovery Associates, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 61.5K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 98.8%.
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.
Data sourced from official public datasets for Portfolio Recovery Associates, LLC (#13 of 342; 98.8% timely; 37.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume