What is the most common complaint against First Portfolio Servicing Inc?

The most common issue consumers report about First Portfolio Servicing Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 274 complaints filed with the CFPB.

Are complaints against First Portfolio Servicing Inc increasing or decreasing?

Complaints against First Portfolio Servicing Inc are rising. The company received 100 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is First Portfolio Servicing Inc's reputation grade?

First Portfolio Servicing Inc has a reputation grade of F (score: 47.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does First Portfolio Servicing Inc respond to consumer complaints?

First Portfolio Servicing Inc has a 99% timely response rate to CFPB complaints.

In how many states does First Portfolio Servicing Inc operate?

First Portfolio Servicing Inc has received CFPB complaints from consumers in 40 states, with the most complaints from Texas (39 complaints).

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

First Portfolio Servicing Inc - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade F.

Compiled by PlainCollector

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

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 #4354

VOL 274
GRADE F
12MO 100
STATES 40
TIMELY 99%
ISSUE Attempts to collect debt n…
RANK #423
COMPOSE #4,354

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, First Portfolio Servicing Inc still sits volume #423 against composite #4,354 - the two RankMaps diverge by 3,931 places. 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)
Divergent corpus ranks: #423 volume; #4,354 composite; Cleanest-composite ladder is 3,931 places worse than volume

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 SERVIC… National average

Complaints (last 12 mo)lower is better

100

268

Timely-response ratehigher is better

99%

100%

91%

Consumer-dispute ratelower is better

18%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

39
California

25
Florida

19
Georgia

16
Arizona

14
Indiana

14
North Carolina

14
Connecticut

12

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.