Total CFPB complaints
51
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 51 complaints
Protas, Spivok & Collins. LLC — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Protas, Spivok & Collins. LLC
- Written notification about debt
Written notification about debt
15 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
10 complaints
- False statements or representation
False statements or representation
7 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
6 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
F
Grade F · 35.6/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Protas, Spivok & Collins. LLC?
Protas, Spivok & Collins. LLC has accumulated 51 total CFPB complaints across 5 states, with 6 filed in the most recent 12 months against 45 historical complaints before that window. The trailing-12-month volume represents 11.8% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 6% timely-response rate against a 0% 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 5 states, led by Maryland with 24 and Virginia with 22, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 35.6/100 places Protas, Spivok & Collins. LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
11.8% of total history
Falling ↓
States active
5
Distinct state filings
Timely response rate
6%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
35.6/100 composite
Response-quality profile
How Protas, Spivok & Collins. LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 5.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Protas, Spivok & Collins. LLC compare to its peers?
Protas, Spivok & Colli… 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)
2018-08 2025-12
Top Consumer Issues
Written notification about debt15 (%)
Took or threatened to take negative or legal action10 (%)
False statements or representation7 (%)
Attempts to collect debt not owed6 (%)
Disclosure verification of debt3 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify 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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 9 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 8 |
| False statements or representation | Attempted to collect wrong amount | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| False statements or representation | Impersonated an attorney or official | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
Where do complaints against Protas, Spivok & Collins. LLC come from?
The states where consumers have filed the most CFPB complaints against Protas, Spivok & Collins. LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Protas, Spivok & Collins. LLC
Across 5 states with at least one filing
- Maryland
Maryland
24 complaints
- Virginia
Virginia
22 complaints
- District of Columbia 3
District of Columbia
3 complaints
- New Jersey 1
New Jersey
1 complaints
- North Carolina 1
North Carolina
1 complaints
Frequently Asked Questions
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 51 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 6 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: 35.6/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 Maryland (24 complaints).
What can I do if Protas, Spivok & Collins. LLC 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 Protas, Spivok & Collins. LLC 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 |