What is the most common complaint against Portfolio Recovery Associates, LLC?

The most common issue consumers report about Portfolio Recovery Associates, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 48,745 complaints filed with the CFPB.

Are complaints against Portfolio Recovery Associates, LLC increasing or decreasing?

Complaints against Portfolio Recovery Associates, LLC are rising. The company received 16,491 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Portfolio Recovery Associates, LLC's reputation grade?

Portfolio Recovery Associates, LLC has a reputation grade of D (score: 52.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Portfolio Recovery Associates, LLC respond to consumer complaints?

Portfolio Recovery Associates, LLC has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does Portfolio Recovery Associates, LLC operate?

Portfolio Recovery Associates, LLC has received CFPB complaints from consumers in 54 states, with the most complaints from Texas (6,001 complaints).

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

Portfolio Recovery Associates, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 54 states, reputation grade D.

Compiled by PlainCollector

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

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 #3878

VOL 48,745
GRADE D
12MO 16,491
STATES 54
TIMELY 99%
DISPUTE 22%
ISSUE Attempts to collect debt n…
RANK #6
COMPOSE #3,878

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, Portfolio Recovery Associates, LLC still sits volume #6 against composite #3,878 - the two RankMaps diverge by 3,872 places. 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
Divergent corpus ranks: #6 volume; #3,878 composite; Cleanest-composite ladder is 3,872 places worse than volume

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 Ass… 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.

Complaint Trend (24 months)

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.

Texas

6,001
Florida

5,770
California

5,285
Georgia

3,587
New York

3,164
Pennsylvania

1,974
Illinois

1,936
New Jersey

1,451

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.