What is the most common complaint against Consumer Portfolio Services, Inc.?

The most common issue consumers report about Consumer Portfolio Services, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 677 complaints filed with the CFPB.

Are complaints against Consumer Portfolio Services, Inc. increasing or decreasing?

Complaints against Consumer Portfolio Services, Inc. are rising. The company received 231 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Consumer Portfolio Services, Inc.'s reputation grade?

Consumer Portfolio Services, Inc. has a reputation grade of D (score: 53.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Consumer Portfolio Services, Inc. respond to consumer complaints?

Consumer Portfolio Services, Inc. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 23% of cases.

In how many states does Consumer Portfolio Services, Inc. operate?

Consumer Portfolio Services, Inc. has received CFPB complaints from consumers in 45 states, with the most complaints from Texas (79 complaints).

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

Consumer Portfolio Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 45 states, reputation grade D.

Compiled by PlainCollector

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

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 #3657

VOL 677
GRADE D
12MO 231
STATES 45
TIMELY 99%
DISPUTE 23%
ISSUE Attempts to collect debt n…
RANK #206
COMPOSE #3,657

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, Consumer Portfolio Services, Inc. still sits volume #206 against composite #3,657 - the two RankMaps diverge by 3,451 places. 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
Divergent corpus ranks: #206 volume; #3,657 composite; Cleanest-composite ladder is 3,451 places worse than volume

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 Ser… National average

Complaints (last 12 mo)lower is better

231

185

268

Timely-response ratehigher is better

99%

91%

Consumer-dispute ratelower is better

23%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

79
Georgia

54
Florida

45
Illinois

45
California

39
Virginia

39
Ohio

38
Pennsylvania

38

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.