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

CFPB complaint data Grade F 18 complaints

Paragon Subrogation Services, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade F.

Complaints by issue type

What consumers report about Paragon Subrogation Services, Inc

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 49.1/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: Paragon Subrogation Services, Inc ranks ahead of 13% of the 5,283 collectors PlainCollector grades - 87% keep a cleaner CFPB record, on 18 all-time complaints and a 25% timely-response rate.

13th pct
reputation rank of 5,283 graded collectors
18
CFPB complaints, all-time
25%
answered inside the CFPB window
3
in the last 12 months (falling)

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 Paragon Subrogation Services, Inc?

Paragon Subrogation Services, Inc has accumulated 18 total CFPB complaints across 12 states, with 3 filed in the most recent 12 months against 15 historical complaints before that window. The trailing-12-month volume represents 16.7% 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 "Took or threatened to take negative or legal action", narrowing to "Debt is not yours". The company posts a 25% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 12 states, led by Illinois with 3 and California with 2. Normalized against the full CFPB collector database, the reputation score of 49.1/100 places Paragon Subrogation Services, Inc in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

18

low-volume (CCDB)

Last 12 months

3

16.7% of all-time complaints

Falling ↓

States active

12

regional footprint

Timely response rate

25%

below sla band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

F

49.1/100 composite

How does Paragon Subrogation Services, Inc's reputation rank nationally?

Reputation score vs. every graded collector

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

49 Bottom 13% higher than 13% 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%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 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

Paragon Subrogation Services, Inc versus the debt-collection vertical average.

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 21.4%

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

How does Paragon Subrogation Services, Inc compare to its peers?

How does Paragon Subrogation Services, Inc compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Paragon Subrogation Se… National average
Complaints (last 12 mo)lower is better
3
0
268
Timely-response ratehigher is better
25%
56%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-10 2025-08

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 6
Attempts to collect debt not owed - 5
Written notification about debt - 2
Cont'd attempts collect debt not owed - 2
Disclosure verification of debt - 2
Communication tactics - 1

Where do complaints against Paragon Subrogation Services, Inc come from?

Paragon Subrogation Services, Inc's own per-state count, not a national baseline.

Top states by complaints against Paragon Subrogation Services, Inc

Across 12 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Paragon Subrogation Services, Inc contacts you

A grade of F signals how Paragon Subrogation Services, 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 Paragon Subrogation Services, 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 Paragon Subrogation Services, 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 Paragon Subrogation Services, Inc? ▼

The most common issue consumers report about Paragon Subrogation Services, Inc is "Took or threatened to take negative or legal action", specifically "Debt is not yours". This is based on 18 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 3 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 12 states, with the most complaints from Illinois (3 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.