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

Data updated July 2026

D

Grade D · 54.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Portfolio Recovery Associates, LLC ranks ahead of 23% of the 5,283 collectors PlainCollector grades - 77% keep a cleaner CFPB record, on 48,745 all-time complaints and a 99% timely-response rate.

23rd pct
reputation rank of 5,283 graded collectors
48,745
CFPB complaints, all-time
99%
answered inside the CFPB window
16,491
in the last 12 months (rising)

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 Portfolio Recovery Associates, LLC?

Portfolio Recovery Associates, LLC has accumulated 48,745 total CFPB complaints across 54 states, with 16,491 filed in the most recent 12 months against 32,254 historical complaints before that window. The trailing-12-month volume represents 33.8% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 99% timely-response rate against a 22% consumer-dispute-after-response rate.

Complaints have been recorded across 54 states, led by Texas with 6,001 and Florida with 5,770. Normalized against the full CFPB collector database, the reputation score of 54.1/100 places Portfolio Recovery Associates, LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

48,745

mega-volume (CCDB)

Last 12 months

16,491

33.8% of all-time complaints

Rising ↑

States active

54

nationwide footprint

Timely response rate

99%

excellent band

Consumer disputes

22%

elevated (vertical avg ~19%)

Reputation grade

D

54.1/100 composite

How does Portfolio Recovery Associates, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

54 Bottom 23% higher than 23% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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

Portfolio Recovery Associates, LLC versus the debt-collection vertical average.

Timely response within SLA 98.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 21.8%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 96.4%

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

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, 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 Sub-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

What to do if Portfolio Recovery Associates, LLC contacts you

A grade of D signals how Portfolio Recovery Associates, LLC'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 Portfolio Recovery Associates, LLC 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 Portfolio Recovery Associates, LLC 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 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: 54.1/100), 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).

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.