What is the most common complaint against Paid in Full, Inc.?

The most common issue consumers report about Paid in Full, Inc. is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 28 complaints filed with the CFPB.

Are complaints against Paid in Full, Inc. increasing or decreasing?

Complaints against Paid in Full, Inc. are rising. The company received 11 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Paid in Full, Inc.'s reputation grade?

Paid in Full, Inc. has a reputation grade of C (score: 61.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Paid in Full, Inc. respond to consumer complaints?

Paid in Full, Inc. has a 95% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.

In how many states does Paid in Full, Inc. operate?

Paid in Full, Inc. has received CFPB complaints from consumers in 3 states, with the most complaints from Arizona (26 complaints).

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

Paid in Full, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade C.

Compiled by PlainCollector

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

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 #1599 · compose #2246

VOL 28
GRADE C
12MO 11
STATES 3
TIMELY 95%
DISPUTE 25%
ISSUE Attempts to collect debt n…
RANK #1,599
COMPOSE #2,246

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Paid in Full, Inc. is volume #1,599 but composite #2,246, while Arizona dominates the geography. 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)
Divergent corpus ranks: #1,599 volume; #2,246 composite; Cleanest-composite ladder is 647 places worse than volume

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

268

Timely-response ratehigher is better

95%

96%

91%

Consumer-dispute ratelower is better

25%

14%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Arizona

26
New Mexico

1
Wisconsin

1

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.