Total CFPB complaints
18
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 18 complaints
Portland Credit Inc — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Portland Credit Inc
- Disclosure verification of debt
Disclosure verification of debt
3 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
2 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
2 complaints
- Communication tactics
Communication tactics
2 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
D
Grade D · 59.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Portland Credit Inc?
Portland Credit Inc has accumulated 18 total CFPB complaints across 7 states, with 0 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Improper contact or sharing of info", narrowing to "Talked to a third party about my debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 78% timely-response rate against a 31% 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 7 states, led by Oregon with 12 and New Hampshire with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.1/100 places Portland Credit Inc in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
7
Distinct state filings
Timely response rate
78%
Within CFPB SLA window
Consumer disputes
31%
After company response
Reputation grade
D
59.1/100 composite
Response-quality profile
How Portland Credit Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 77.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 61.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Portland Credit Inc compare to its peers?
Portland Credit Inc 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)
2014-01 2022-02
Top Consumer Issues
Improper contact or sharing of info2 (%)
Disclosure verification of debt3 (%)
Attempts to collect debt not owed2 (%)
Communication tactics2 (%)
Threatened to contact someone or share information improperly1 (%)
Cont'd attempts collect debt not owed2 (%)
False statements or representation1 (%)
Taking/threatening an illegal action1 (%)
Most common issue: Improper contact or sharing of info — Talked to a third party about my debt
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 |
|---|---|---|
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Communication tactics | Used obscene/profane/abusive language | 2 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Disclosure verification of debt | Not disclosed as an attempt to collect | 1 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 1 |
| Cont'd attempts collect debt not owed | Debt was paid | 1 |
Where do complaints against Portland Credit Inc come from?
The states where consumers have filed the most CFPB complaints against Portland Credit Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Portland Credit Inc
Across 7 states with at least one filing
- Oregon
Oregon
12 complaints
- New Hampshire 1
New Hampshire
1 complaints
- Arizona 1
Arizona
1 complaints
- Texas 1
Texas
1 complaints
- Washington 1
Washington
1 complaints
- California 1
California
1 complaints
- Ohio 1
Ohio
1 complaints
Frequently Asked Questions
What is the most common complaint against Portland Credit Inc? ▼
The most common issue consumers report about Portland Credit Inc is "Improper contact or sharing of info", specifically "Talked to a third party about my debt". This is based on 18 complaints filed with the CFPB.
Are complaints against Portland Credit Inc increasing or decreasing? ▼
Complaints against Portland Credit Inc have been stable. The company received 0 complaints in the last 12 months.
What is Portland Credit Inc's reputation grade? ▼
Portland Credit Inc has a reputation grade of D (score: 59.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Portland Credit Inc respond to consumer complaints? ▼
Portland Credit Inc has a 78% timely response rate to CFPB complaints. Consumers disputed the company's response in 31% of cases.
In how many states does Portland Credit Inc operate? ▼
Portland Credit Inc has received CFPB complaints from consumers in 7 states, with the most complaints from Oregon (12 complaints).
What can I do if Portland Credit 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 Portland Credit 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 |