Total CFPB complaints
16
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 16 complaints
Paragon Subrogation Services, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Paragon Subrogation Services, Inc
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
6 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Cont'd attempts collect debt not owed 2
Cont'd attempts collect debt not owed
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
F
Grade F · 49.1/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Paragon Subrogation Services, Inc?
Paragon Subrogation Services, Inc has accumulated 16 total CFPB complaints across 11 states, with 1 filed in the most recent 12 months against 15 historical complaints before that window. The trailing-12-month volume represents 6.3% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 25% timely-response rate against a 0% 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 11 states, led by Illinois with 3 and California with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 49.1/100 places Paragon Subrogation Services, 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
1
6.3% of total history
Falling ↓
States active
11
Distinct state filings
Timely response rate
25%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
49.1/100 composite
Response-quality profile
How Paragon Subrogation Services, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 25.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Paragon Subrogation Services, Inc compare to its peers?
Paragon Subrogation Se… 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)
2015-05 2025-08
Top Consumer Issues
Attempts to collect debt not owed4 (%)
Took or threatened to take negative or legal action6 (%)
Disclosure verification of debt2 (%)
Cont'd attempts collect debt not owed2 (%)
Communication tactics1 (%)
Written notification about debt1 (%)
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 | 4 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
Where do complaints against Paragon Subrogation Services, Inc come from?
The states where consumers have filed the most CFPB complaints against Paragon Subrogation Services, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Paragon Subrogation Services, Inc
Across 11 states with at least one filing
- Illinois
Illinois
3 complaints
- California
California
2 complaints
- New York
New York
2 complaints
- Michigan
Michigan
2 complaints
- Wisconsin 1
Wisconsin
1 complaints
- New Jersey 1
New Jersey
1 complaints
- Florida 1
Florida
1 complaints
- Alabama 1
Alabama
1 complaints
Frequently Asked Questions
What is the most common complaint against Paragon Subrogation Services, Inc? ▼
The most common issue consumers report about Paragon Subrogation Services, Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 16 complaints filed with the CFPB.
Are complaints against Paragon Subrogation Services, Inc increasing or decreasing? ▼
Complaints against Paragon Subrogation Services, Inc are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.
What is Paragon Subrogation Services, Inc's reputation grade? ▼
Paragon Subrogation Services, Inc has a reputation grade of F (score: 49.1/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Paragon Subrogation Services, Inc respond to consumer complaints? ▼
Paragon Subrogation Services, Inc has a 25% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Paragon Subrogation Services, Inc operate? ▼
Paragon Subrogation Services, Inc has received CFPB complaints from consumers in 11 states, with the most complaints from Illinois (3 complaints).
What can I do if Paragon Subrogation Services, 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 Paragon Subrogation Services, 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 |