Total complaints
48.5K
Filed since 2013
2026 data Public-data reference. official source
Portfolio Recovery Associates, LLC
48.5K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
48.5K consumer complaints filed with the CFPB
This profile shows Portfolio Recovery Associates, LLC's complaint history from CFPB public records. 48,501 consumers have filed complaints since 2013. The company has a 98.7% timely response rate and has provided relief in 36.4% of cases.
48.5K
Total Complaints
98.7%
Timely Response
2.1%
Disputed
36.4%
Relief Provided
58
States Active
2013
Since
Timely response
98.7%
CFPB-tracked response window
Relief rate
36.4%
Closed with monetary or non-monetary relief
Timely response rate 98.7%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 36.4%
Industry median
Share closed with monetary or non-monetary relief.
Portfolio Recovery Associates, LLC complaint mix by product
- Debt collection 38K 79.2% – 38% relief
- Credit reporting 6K 12.0% – 37% relief
- Credit reporting, 4K 7.4% – 18% relief
- Credit card 344 0.7% – 29% relief
- Credit card 166 0.3% – 22% relief
- Debt or 83 0.2% – 33% relief
- Credit reporting 74 0.2% – 35% relief
How Portfolio Recovery Associates, LLC's 48.5K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 38.3K |
| Credit reporting or other personal consumer reports | 5.8K |
| Credit reporting, credit repair services, or other personal consumer reports | 3.6K |
| Credit card | 344 |
| Credit card or prepaid card | 166 |
| Debt or credit management | 83 |
| Credit reporting | 74 |
| Consumer Loan | 42 |
| Vehicle loan or lease | 14 |
| Mortgage | 12 |
| Bank account or service | 9 |
| Payday loan, title loan, or personal loan | 6 |
| Payday loan, title loan, personal loan, or advance loan | 4 |
| Payday loan | 4 |
| Money transfer, virtual currency, or money service | 4 |
| Checking or savings account | 4 |
| Student loan | 2 |
| Prepaid card | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 6.0K |
| FL | 5.8K |
| CA | 5.3K |
| GA | 3.6K |
| NY | 3.3K |
| PA | 2.1K |
| IL | 2.0K |
| NJ | 1.4K |
| OH | 1.4K |
| NC | 1.2K |
| SC | 1.2K |
| MI | 1.1K |
| MD | 1.1K |
| VA | 1.1K |
| LA | 1.1K |
| AL | 950 |
| TN | 832 |
| AZ | 829 |
| MA | 815 |
| NV | 624 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 14.0K |
| Written notification about debt | 6.8K |
| Took or threatened to take negative or legal action | 5.0K |
| Incorrect information on your report | 4.7K |
| Communication tactics | 4.5K |
| False statements or representation | 4.0K |
| Improper use of your report | 2.2K |
| Cont'd attempts collect debt not owed | 1.8K |
| Problem with a company's investigation into an existing problem | 1.4K |
| Problem with a credit reporting company's investigation into an existing problem | 1.1K |
| Disclosure verification of debt | 1.0K |
| Threatened to contact someone or share information improperly | 419 |
| Improper contact or sharing of info | 316 |
| Taking/threatening an illegal action | 201 |
| Electronic communications | 179 |
| Getting a credit card | 117 |
| Incorrect information on credit report | 65 |
| Credit monitoring or identity theft protection services | 48 |
| Struggling to pay your bill | 36 |
| Problem with a purchase shown on your statement | 34 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 341 | 100% |
| 2014 | 1.2K | 100% |
| 2015 | 1.3K | 100% |
| 2016 | 1.3K | 100% |
| 2017 | 2.0K | 100% |
| 2018 | 2.4K | 100% |
| 2019 | 1.9K | 100% |
| 2020 | 2.7K | 100% |
| 2021 | 3.8K | 100% |
| 2022 | 2.6K | 100% |
| 2023 | 3.1K | 100% |
| 2024 | 6.5K | 99.1% |
| 2025 | 13.6K | 96% |
| 2026 | 5.8K | 99.7% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Portfolio Recovery Associates, LLC
Portfolio Recovery Associates, LLC has accumulated 48,501 consumer complaints in the CFPB public database, with filings active across 58 U.S. states. Of those submissions, 12,826 include 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 2013, and the most recent logged activity is 2026-04-08, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Portfolio Recovery Associates, LLC reports a 98.7% timely-response rate and has closed 59.7% of cases with a written explanation to the consumer. 36.4% 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 2.1% 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 "Debt collection", and the single most common underlying issue is "Attempts to collect debt not owed".
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 Portfolio Recovery Associates, LLC: 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 Portfolio Recovery Associates, LLC have?
Portfolio Recovery Associates, LLC has received 48,501 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Portfolio Recovery Associates, LLC respond to complaints on time?
Portfolio Recovery Associates, LLC has a 98.7% timely response rate to CFPB complaints.
What is the most common complaint about Portfolio Recovery Associates, LLC?
The most common issue reported against Portfolio Recovery Associates, LLC is "Attempts to collect debt not owed" in the "Debt collection" product category.
Read our methodology — how this data is sourced, computed, and verified.
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