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

CFPB complaint data Grade F 274 complaints

First Portfolio Servicing Inc - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade F.

Complaints by issue type

What consumers report about First Portfolio Servicing Inc

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

Data updated September 2026

CFPB complaint disposition

CCDB record first-portfolio-servicing-inc First Portfolio Servicing Inc

Grade F · 274 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #423 · compose #439

  • VOL 274
  • GRADE F
  • 12MO 100
  • STATES 40
  • TIMELY 99%
  • ISSUE Attempts to collect debt n…
  • RANK #423
  • COMPOSE #439

Volume peers

Nearest volume peer: Credit Bureau Systems, Inc., Paducah, KY Branch (277 complaints)

Mountain Run Solutions, LLCMountain Run Solutions, LLC269Key 2 Recovery, Inc.Key 2 Recovery, Inc.270First Portfolio Servicing Inc (this)First Portfolio Servicing In…274Credit Bureau Systems, Inc., Paducah, KY BranchCredit Bureau Systems, Inc.,…277Credit Fresh Holdings IncCredit Fresh Holdings Inc280
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

First Portfolio Servicing Inc's 274 CFPB complaints sit next to Credit Bureau Systems, Inc., Paducah, KY Branch 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 274 complaints break down

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

Reputation score breakdown

F
Composite reputation score
47.7/100
First Portfolio Servicing 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
274
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 N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

First Portfolio Servicing Inc spreads filings across 40 states - Texas leads at only 14.2%

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Most-even geography
Lead state under 15%
Texas still leads at 14.2% across 40 states
Spike month
2025-09 18.4%
9 filings that month · spiky (≥15% of series)
Corpus ranks
#423 volume
#439 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does First Portfolio Servicing Inc compare to its peers?

How does FIRST PORTFOLIO SERVICING 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
FIRST PORTFOLIO SERVICING INC National average
Complaints (last 12 mo)lower is better
100
74
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
0%
18%
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 First Portfolio Servicing Inc a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 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 0%50%100%150% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) First Portfolio Servicing Inc vs. 7 similar-volume peers, by response speed and dispute rate Credit Bureau Systems, Inc., Paducah, KY BranchKey 2 Recovery, Inc.Tate and Kirlin AssocPersolve, LLC - Legal - Series 2American Accounts & Advisers, Inc.Receivable Management Group, Inc. (GA)Telerecovery Corporation
Source: CFPB Consumer Complaint Database

First Portfolio Servicing Inc's complaint volume in context

First Portfolio Servicing 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)

274 Top 8% higher than 92% 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. First Portfolio Servicing 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 ↑
2023-11 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
133
Took or threatened to take negative or legal action
61
False statements or representation
33
Written notification about debt
21
Communication tactics
17
Electronic communications
5
Threatened to contact someone or share information improperly
4

Where do complaints against First Portfolio Servicing Inc come from?

First Portfolio Servicing Inc's own per-state count, not a national baseline.

Top states by complaints against First Portfolio Servicing Inc

Across 40 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 First Portfolio Servicing 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: 274.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.7603305785124%.

4 peers

Know your rights before responding to First Portfolio Servicing 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.