Total CFPB complaints
242
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 242 complaints
FIRST PORTFOLIO SERVICING INC — Debt Collector Complaint Profile
CFPB complaint profile across 38 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FIRST PORTFOLIO SERVICING INC
- Attempts to collect debt not owed
Attempts to collect debt not owed
120 complaints
- Took or threatened to take negative or legal action 39
Took or threatened to take negative or legal action
39 complaints
- False statements or representation 27
False statements or representation
27 complaints
- Written notification about debt 14
Written notification about debt
14 complaints
- Communication tactics 12
Communication tactics
12 complaints
- Electronic communications 5
Electronic communications
5 complaints
F
Grade F · 50.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about FIRST PORTFOLIO SERVICING INC?
FIRST PORTFOLIO SERVICING INC has accumulated 242 total CFPB complaints across 38 states, with 96 filed in the most recent 12 months against 146 historical complaints before that window. The trailing-12-month volume represents 39.7% 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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 38 states, led by Texas with 33 and California with 23, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 50.3/100 places FIRST PORTFOLIO SERVICING INC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
96
39.7% of total history
Rising ↑
States active
38
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Reputation grade
F
50.3/100 composite
Response-quality profile
How FIRST PORTFOLIO SERVICING INC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 67.9%
Share of US states + territories with at least one filed complaint against this collector.
How does FIRST PORTFOLIO SERVICING INC compare to its peers?
FIRST PORTFOLIO SERVIC… 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 owed120 (%)
Took or threatened to take negative or legal action39 (%)
False statements or representation27 (%)
Written notification about debt14 (%)
Communication tactics12 (%)
Electronic communications5 (%)
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 | 46 |
| Attempts to collect debt not owed | Debt was result of identity theft | 46 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 39 |
| False statements or representation | Attempted to collect wrong amount | 27 |
| Attempts to collect debt not owed | Debt was paid | 21 |
| Written notification about debt | Didn't receive enough information to verify debt | 14 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 7 |
| Communication tactics | Frequent or repeated calls | 6 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 6 |
| Electronic communications | Frequent or repeated messages | 5 |
Where do complaints against FIRST PORTFOLIO SERVICING INC come from?
The states where consumers have filed the most CFPB complaints against FIRST PORTFOLIO SERVICING INC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FIRST PORTFOLIO SERVICING INC
Across 38 states with at least one filing
- Texas
Texas
33 complaints
- California
California
23 complaints
- Florida
Florida
17 complaints
- Georgia
Georgia
15 complaints
- Arizona
Arizona
14 complaints
- Indiana 13
Indiana
13 complaints
- North Carolina 11
North Carolina
11 complaints
- Connecticut 11
Connecticut
11 complaints
Frequently Asked Questions
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 242 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 96 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: 50.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 38 states, with the most complaints from Texas (33 complaints).
What can I do if FIRST PORTFOLIO SERVICING 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 FIRST PORTFOLIO SERVICING 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 |