Total CFPB complaints
22
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 22 complaints
PAID IN FULL, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about PAID IN FULL, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
6 complaints
- Cont'd attempts collect debt not owed 3
Cont'd attempts collect debt not owed
3 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
C
Grade C · 65.4/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about PAID IN FULL, INC.?
PAID IN FULL, INC. has accumulated 22 total CFPB complaints across 3 states, with 6 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 27.3% 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 "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 95% timely-response rate against a 25% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 3 states, led by Arizona with 20 and New Mexico with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 65.4/100 places PAID IN FULL, INC. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
27.3% of total history
Rising ↑
States active
3
Distinct state filings
Timely response rate
95%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
C
65.4/100 composite
Response-quality profile
How PAID IN FULL, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 50.0%
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?
PAID IN FULL, INC. 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)
2014-03 2026-01
Top Consumer Issues
Took or threatened to take negative or legal action6 (%)
Attempts to collect debt not owed10 (%)
Cont'd attempts collect debt not owed3 (%)
Disclosure verification of debt1 (%)
False statements or representation1 (%)
Written notification about debt1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 6 |
| Attempts to collect debt not owed | Debt is not yours | 6 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
Where do complaints against PAID IN FULL, INC. come from?
The states where consumers have filed the most CFPB complaints against PAID IN FULL, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against PAID IN FULL, INC.
Across 3 states with at least one filing
- Arizona
Arizona
20 complaints
- New Mexico 1
New Mexico
1 complaints
- Wisconsin 1
Wisconsin
1 complaints
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 "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 22 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 6 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). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 (20 complaints).
What can I do if PAID IN FULL, 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 PAID IN FULL, 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 |