This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 677 complaints

Consumer Portfolio Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade D.

Complaints by issue type

What consumers report about Consumer Portfolio Services, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record consumer-portfolio-services-inc Consumer Portfolio Services, Inc.

Grade D · 677 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #206 · compose #234

  • VOL 677
  • GRADE D
  • 12MO 231
  • STATES 45
  • TIMELY 99%
  • DISPUTE 23%
  • ISSUE Attempts to collect debt n…
  • RANK #206
  • COMPOSE #234

Volume peers

Nearest volume peer: Nissan Motor Acceptance Company LLC (678 complaints)

Diverse Funding Associates LLCDiverse Funding Associates L…674Southern Management Systems Inc.Southern Management Systems …675Sterling Jewelers, Inc.Sterling Jewelers, Inc.675Consumer Portfolio Services, Inc. (this)Consumer Portfolio Services,…677Nissan Motor Acceptance Company LLCNissan Motor Acceptance Comp…678
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Consumer Portfolio Services, Inc.'s 677 CFPB complaints sit next to Nissan Motor Acceptance Company LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 677 complaints break down

Every complaint issue type on record for Consumer Portfolio Services, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.4/100
Consumer Portfolio Services, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
677
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
23%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Consumer Portfolio Services, Inc. spreads filings across 45 states - Texas leads at only 11.7%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Texas still leads at 11.7% across 45 states
Seasonal peak
2025-12 10.0%
8–15% band · 21 filings
Corpus ranks
#206 volume
#234 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Consumer Portfolio Services, Inc. compare to its peers?

How does Consumer Portfolio Services, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Consumer Portfolio Services, Inc. National average
Complaints (last 12 mo)lower is better
231
185
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
23%
9%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Consumer Portfolio Services, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 97.5%98%98.5%99%99.5%100%100.5% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Consumer Portfolio Services, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Consumer Portfolio Services, Inc.NISSAN MOTOR ACCEPTANCE COMPANY LLCSTERLING JEWELERS, INC.Southern Management Systems Inc.Diverse Funding Associates LLCSynerprise Consulting Services, Inc.Shellpoint Partners, LLCOptio Solutions, LLCClient Services, Inc.Grant & Weber
Source: CFPB Consumer Complaint Database

Consumer Portfolio Services, Inc.'s complaint volume in context

Consumer Portfolio Services, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

677 Top 4% higher than 96% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Consumer Portfolio Services, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
236
Took or threatened to take negative or legal action
123
Written notification about debt
91
False statements or representation
78
Communication tactics
77
Threatened to contact someone or share information improperly
23
Cont'd attempts collect debt not owed
21
Electronic communications
10
Disclosure verification of debt
8
Improper contact or sharing of info
7

Where do complaints against Consumer Portfolio Services, Inc. come from?

Consumer Portfolio Services, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Consumer Portfolio Services, Inc.

Across 45 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Consumer Portfolio Services, Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 677.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.49238578680203%.

4 peers

Know your rights before responding to Consumer Portfolio Services, Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.