Total CFPB complaints
591
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 591 complaints
Consumer Portfolio Services, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 43 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Consumer Portfolio Services, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
205 complaints
- Written notification about debt
Written notification about debt
82 complaints
- Took or threatened to take negative or legal action 66
Took or threatened to take negative or legal action
66 complaints
- False statements or representation 57
False statements or representation
57 complaints
- Communication tactics 42
Communication tactics
42 complaints
- Threatened to contact someone or share information improperly 15
Threatened to contact someone or share information improperly
15 complaints
D
Grade D · 55.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Consumer Portfolio Services, Inc.?
Consumer Portfolio Services, Inc. has accumulated 591 total CFPB complaints across 43 states, with 186 filed in the most recent 12 months against 405 historical complaints before that window. The trailing-12-month volume represents 31.5% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 23% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 43 states, led by Texas with 61 and Georgia with 48, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.8/100 places Consumer Portfolio Services, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
186
31.5% of total history
Rising ↑
States active
43
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
23%
After company response
Reputation grade
D
55.8/100 composite
Response-quality profile
How Consumer Portfolio Services, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 45.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 76.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Consumer Portfolio Services, Inc. compare to its peers?
Consumer Portfolio Ser… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed205 (%)
Took or threatened to take negative or legal action66 (%)
False statements or representation57 (%)
Written notification about debt82 (%)
Communication tactics42 (%)
Threatened to contact someone or share information improperly15 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 100 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 66 |
| False statements or representation | Attempted to collect wrong amount | 57 |
| Attempts to collect debt not owed | Debt was result of identity theft | 51 |
| Written notification about debt | Didn't receive enough information to verify debt | 50 |
| Communication tactics | Frequent or repeated calls | 42 |
| Written notification about debt | Didn't receive notice of right to dispute | 32 |
| Attempts to collect debt not owed | Debt was paid | 30 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 24 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 15 |
Where do complaints against Consumer Portfolio Services, Inc. come from?
The states where consumers have filed the most CFPB complaints against Consumer Portfolio Services, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Consumer Portfolio Services, Inc.
Across 43 states with at least one filing
- Texas
Texas
61 complaints
- Georgia
Georgia
48 complaints
- Illinois
Illinois
41 complaints
- Florida
Florida
40 complaints
- California
California
38 complaints
- Pennsylvania
Pennsylvania
37 complaints
- Virginia
Virginia
35 complaints
- Ohio
Ohio
33 complaints
Frequently Asked Questions
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 591 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 186 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: 55.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 43 states, with the most complaints from Texas (61 complaints).
What can I do if Consumer Portfolio Services, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Consumer Portfolio Services, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |