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

Data updated July 2026

C

Grade C · 65.4/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Paid in Full, Inc. ranks ahead of 60% of the 5,283 collectors PlainCollector grades - 40% keep a cleaner CFPB record, on 28 all-time complaints and a 95% timely-response rate.

60th pct
reputation rank of 5,283 graded collectors
28
CFPB complaints, all-time
95%
answered inside the CFPB window
11
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Paid in Full, Inc.?

Paid in Full, Inc. has accumulated 28 total CFPB complaints across 3 states, with 11 filed in the most recent 12 months against 17 historical complaints before that window. The trailing-12-month volume represents 39.3% 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 "Threatened or suggested your credit would be damaged". The company posts a 95% timely-response rate against a 25% consumer-dispute-after-response rate.

Complaints have been recorded across 3 states, led by Arizona with 26 and New Mexico with 1. Normalized against the full CFPB collector database, the reputation score of 65.4/100 places Paid in Full, Inc. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

28

low-volume (CCDB)

Last 12 months

11

39.3% of all-time complaints

Rising ↑

States active

3

limited footprint

Timely response rate

95%

excellent band

Consumer disputes

25%

elevated (vertical avg ~19%)

Reputation grade

C

65.4/100 composite

How does Paid in Full, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

65 60th percentile higher than 60% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Paid in Full, Inc. versus the debt-collection vertical average.

Timely response within SLA 95.5%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 25.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 5.4%

Share of US states + territories with at least one filed complaint against this collector.

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, 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.

Complaint Trend (24 months)

2020-08 2025-06

Issue Detail Breakdown

Issue Sub-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

What to do if Paid in Full, Inc. contacts you

A grade of C signals how Paid in Full, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Paid in Full, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Paid in Full, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 65.4/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.