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.

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61.5K CFPB complaints

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.

  • Volume rank #13 of 342
  • 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 Associate…37.8%Encore Capital Group Inc.36%LexisNexis24.3%CBC Companies, Inc.55.3%American Express Company29.4%
Closed-with-relief % among Portfolio Recovery Associates, LLC and nearest filing-volume peers

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 →

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.

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Timely response rate 98.8%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 37.8%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

Portfolio Recovery Associates, LLC complaint mix by product

Total complaints: 61.5K

Portfolio Recovery Associates, LLC complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 61.5K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 48,513 complaints (79.1%), resolution 39.8% Debt collection 79.1% Credit reporting: 7,805 complaints (12.7%), resolution 37.3% Credit reporting 12.7% Credit reporting,: 4,231 complaints (6.9%), resolution 17.5% Credit reporting, 6.9% Credit card: 420 complaints (0.7%), resolution 28.8% Credit card: 191 complaints (0.3%), resolution 21.5% Debt or: 112 complaints (0.2%), resolution 31.3% Credit reporting: 80 complaints (0.1%), resolution 33.8%
  • 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

Nationwide footprint
Leading state
TX
12.5% of this company's filings
TX7.7KFL7.4KCA6.7KGA4.6KNY4.1KPA2.6KIL2.5KNJ1.9K

Portfolio Recovery Associates, LLC rising annual filings

Annual filing volume from the CFPB public database

Rising vs first year
2026
11.4K
+3246.9% vs 2013
05,00010,00015,00020,000 20132015201720192021202320252026 11,413

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.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 98.8%.

4 peers

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