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

CFPB complaint data Grade C 28 complaints

Paid in Full, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade C.

Complaints by issue type

What consumers report about Paid in Full, Inc.

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

Data updated September 2026

CFPB complaint disposition

CCDB record paid-in-full-inc Paid in Full, Inc.

Grade C · 28 CFPB filings · 95% timely · lead issue: Attempts to collect debt not owed

  • VOL 28
  • GRADE C
  • 12MO 11
  • STATES 3
  • TIMELY 95%
  • DISPUTE 25%
  • ISSUE Attempts to collect debt n…
  • RANK #1,599
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Access Capital Services, Inc. (28 complaints)

Access Capital Services, Inc.Access Capital Services, Inc.28Accounts Receivable Consultants Inc.Accounts Receivable Consulta…28Automobile Acceptance CorporationAutomobile Acceptance Corpor…28Brightwater Capital, LLCBrightwater Capital, LLC28Paid in Full, Inc. (this)Paid in Full, Inc. (this)28
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Paid in Full, Inc.'s 28 CFPB complaints sit next to Access Capital Services, Inc. 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 28 complaints break down

Every complaint issue type on record for Paid in Full, Inc., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
61.0/100
Paid in Full, 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 D
28
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
95%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
25%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

92.9% of Paid in Full, Inc.'s CFPB filings land in Arizona

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Arizona 92.9%
26 of 28 filings · 3 states touched
Spike month
2020-08 16.7%
1 filings that month · spiky (≥15% of series)
Corpus ranks
#1,599 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Paid in Full, Inc. compare to its peers?

How does PAID IN FULL, 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
PAID IN FULL, INC. National average
Complaints (last 12 mo)lower is better
11
1
268
Timely-response ratehigher is better
95%
96%
91%
Consumer-dispute ratelower is better
25%
14%
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 Paid in Full, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 6 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 60%70%80%90%100%110% 10%15%20%25%30%35% Timely response rate (%) Dispute rate (%) Paid in Full, Inc. vs. 5 similar-volume peers, by response speed and dispute rate Paid in Full, Inc.Michael & Associates, PCPayment Resolution ServicesKentucky Higher Education Assistance AuthorityIOWA STUDENT LOAN LIQUIDITY CORPORATIONSierra Holdings LLC
Source: CFPB Consumer Complaint Database

Paid in Full, Inc.'s complaint volume in context

Paid in Full, 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)

28 70th percentile higher than 70% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Paid in Full, 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 ↑
2020-08 2025-06

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
12
Took or threatened to take negative or legal action
9
Cont'd attempts collect debt not owed
3
Written notification about debt
1
False statements or representation
1
Communication tactics
1
Disclosure verification of debt
1

Where do complaints against Paid in Full, Inc. come from?

Paid in Full, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Paid in Full, Inc.

Across 3 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 Paid in Full, 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: 28.

4 peers

Know your rights before responding to Paid in Full, 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.