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

CFPB complaint data Grade D 48,745 complaints

Portfolio Recovery Associates, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 54 states, reputation grade D.

Complaints by issue type

What consumers report about Portfolio Recovery Associates, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record portfolio-recovery-associates-llc Portfolio Recovery Associates, LLC

Grade D · 48,745 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #6 · compose #323

  • VOL 48,745
  • GRADE D
  • 12MO 16,491
  • STATES 54
  • TIMELY 99%
  • DISPUTE 22%
  • ISSUE Attempts to collect debt n…
  • RANK #6
  • COMPOSE #323

Volume peers

Nearest volume peer: Resurgent Capital Services L.P. (49,061 complaints)

Portfolio Recovery Associates, LLC (this)Portfolio Recovery Associate…48,745Resurgent Capital Services L.P.Resurgent Capital Services L…49,061Experian Information Solutions Inc.Experian Information Solutio…50,287Encore Capital Group Inc.Encore Capital Group Inc.50,437Equifax, Inc.Equifax, Inc.55,160
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Portfolio Recovery Associates, LLC's 48,745 CFPB complaints sit next to Resurgent Capital Services L.P. 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 →

How the 48,745 complaints break down

Every complaint issue type on record for Portfolio Recovery Associates, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
52.0/100
Portfolio Recovery Associates, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
48,745
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
22%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Portfolio Recovery Associates, LLC spreads filings across 54 states - Texas leads at only 12.3%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Texas still leads at 12.3% across 54 states
Seasonal peak
2025-07 8.9%
8–15% band · 5 filings
Corpus ranks
#6 volume
#323 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Portfolio Recovery Associates, LLC compare to its peers?

How does Portfolio Recovery Associates, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Portfolio Recovery Associates, LLC National average
Complaints (last 12 mo)lower is better
16,491
18,544
268
Timely-response ratehigher is better
99%
100%
91%
Consumer-dispute ratelower is better
22%
18%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Portfolio Recovery Associates, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) Portfolio Recovery Associates, LLC vs. 10 similar-volume peers, by response speed and dispute rate Portfolio Recovery Associates, LLCResurgent Capital Services L.P.Experian Information Solutions Inc.ENCORE CAPITAL GROUP INC.EQUIFAX, INC.TRANSUNION INTERMEDIATE HOLDINGS, INC.CL Holdings LLCCCS Financial Services, Inc.I.C. System, Inc.CAPITAL ONE FINANCIAL CORPORATIONTRANSWORLD SYSTEMS INC
Source: CFPB Consumer Complaint Database

Portfolio Recovery Associates, LLC's complaint volume in context

Portfolio Recovery Associates, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

48,745 Top 1% higher than 100% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Portfolio Recovery Associates, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2024-01 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
18,535
Written notification about debt
8,511
Took or threatened to take negative or legal action
6,699
False statements or representation
5,363
Communication tactics
5,284
Cont'd attempts collect debt not owed
1,931
Disclosure verification of debt
1,100
Threatened to contact someone or share information improperly
508
Improper contact or sharing of info
336
Electronic communications
258

Where do complaints against Portfolio Recovery Associates, LLC come from?

Portfolio Recovery Associates, LLC's own per-state count, not a national baseline.

Top states by complaints against Portfolio Recovery Associates, LLC

Across 54 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Portfolio Recovery Associates, LLC: 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: 48,745.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.74849075880003%.

4 peers

Know your rights before responding to Portfolio Recovery Associates, LLC: 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.