Portfolio Recovery Associates, LLC
61.5K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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
How Portfolio Recovery Associates, LLC's 61.5K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Portfolio Recovery Associates, LLC
Portfolio Recovery Associates, LLC's 61,469 logged complaints reach a nationwide footprint - 58 states have at least one filing on record. Only 34.5% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2013 through 2026-06-26.
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.
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?
61,469, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Portfolio Recovery Associates, LLC respond to complaints on time?
98.8% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Portfolio Recovery Associates, LLC?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.