What is the most common complaint against Protas, Spivok & Collins. LLC?

The most common issue consumers report about Protas, Spivok & Collins. LLC is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 54 complaints filed with the CFPB.

Are complaints against Protas, Spivok & Collins. LLC increasing or decreasing?

Complaints against Protas, Spivok & Collins. LLC are falling. The company received 8 complaints in the last 12 months, showing improvement over prior periods.

What is Protas, Spivok & Collins. LLC's reputation grade?

Protas, Spivok & Collins. LLC has a reputation grade of F (score: 31.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Protas, Spivok & Collins. LLC respond to consumer complaints?

Protas, Spivok & Collins. LLC has a 6% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Protas, Spivok & Collins. LLC operate?

Protas, Spivok & Collins. LLC has received CFPB complaints from consumers in 5 states, with the most complaints from Virginia (25 complaints).

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

Protas, Spivok & Collins. LLC - Debt Collector Complaint Profile

CFPB complaint profile across 5 states, reputation grade F.

Compiled by PlainCollector

Written notification about debt

18
Took or threatened to take negative or legal action

12
False statements or representation

8
Attempts to collect debt not owed

7
Disclosure verification of debt

3
Cont'd attempts collect debt not owed

2

Data updated September 2026

CFPB complaint disposition

CCDB record protas-spivok-collins-llc Protas, Spivok & Collins. LLC

Grade F · 54 CFPB filings · 6% timely · lead issue: Written notification about debt · vol #1146 · compose #5200

VOL 54
GRADE F
12MO 8
STATES 5
TIMELY 6%
DISPUTE 0%
ISSUE Written notification about…
RANK #1,146
COMPOSE #5,200

Volume peers

Nearest volume peer: Affiliated Collection Services, LLC (54 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Protas, Spivok & Collins. LLC's 54 CFPB complaints sit next to Affiliated Collection Services, LLC 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 →

State-heavy filing map

46.3% of Protas, Spivok & Collins. LLC's CFPB filings land in Virginia

High volume does not equal a clean composite: Protas, Spivok & Collins. LLC is volume #1,146 but composite #5,200, while Virginia dominates the geography. Corpus placement method.

Dominant state: Virginia 46.3%; 25 of 54 filings · 5 states touched
Seasonal peak: 2025-01 10.9%; 8–15% band · 5 filings
Divergent corpus ranks: #1,146 volume; #5,200 composite; Cleanest-composite ladder is 4,054 places worse than volume

How does Protas, Spivok & Collins. LLC compare to its peers?

How does Protas, Spivok & Collins. 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

Protas, Spivok & Colli… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

78%

91%

Consumer-dispute ratelower is better

21%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-10 2026-02

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	18
Took or threatened to take negative or legal action	12
False statements or representation	8
Attempts to collect debt not owed	7
Disclosure verification of debt	3
Cont'd attempts collect debt not owed	2
Communication tactics	1
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1
Taking/threatening an illegal action	1

Where do complaints against Protas, Spivok & Collins. LLC come from?

Protas, Spivok & Collins. LLC's own per-state count, not a national baseline.

Virginia

25
Maryland

24
District of Columbia

3
New Jersey

1
North Carolina

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Protas, Spivok & Collins. 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: 54.

4 peers

Know your rights before responding to Protas, Spivok & Collins. 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.