What is the most common complaint against Protocol Recovery Service, Inc.?

The most common issue consumers report about Protocol Recovery Service, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 27 complaints filed with the CFPB.

Are complaints against Protocol Recovery Service, Inc. increasing or decreasing?

Complaints against Protocol Recovery Service, Inc. are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.

What is Protocol Recovery Service, Inc.'s reputation grade?

Protocol Recovery Service, Inc. has a reputation grade of C (score: 58.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Protocol Recovery Service, Inc. respond to consumer complaints?

Protocol Recovery Service, Inc. has a 81% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Protocol Recovery Service, Inc. operate?

Protocol Recovery Service, Inc. has received CFPB complaints from consumers in 18 states, with the most complaints from California (6 complaints).

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

Protocol Recovery Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 18 states, reputation grade C.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

14
False statements or representation

3
Communication tactics

2
Disclosure verification of debt

2
Improper contact or sharing of info

2
Taking/threatening an illegal action

2

Data updated September 2026

CFPB complaint disposition

CCDB record protocol-recovery-service-inc Protocol Recovery Service, Inc.

Grade C · 27 CFPB filings · 81% timely · lead issue: Cont'd attempts collect debt not owed · vol #1637 · compose #2612

VOL 27
GRADE C
12MO 1
STATES 18
TIMELY 81%
DISPUTE 13%
ISSUE Cont'd attempts collect de…
RANK #1,637
COMPOSE #2,612

Volume peers

Nearest volume peer: AAA Auto Title Loans, LLC (27 complaints)

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

Protocol Recovery Service, Inc.'s 27 CFPB complaints sit next to AAA Auto Title Loans, 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 →

Filing geometry

California is the plurality state for Protocol Recovery Service, Inc. (22.2%)

Volume rank #1,637 and composite rank #2,612 diverge by 975 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 22.2%; Mid-band (15–30%) · 18 states with ≥1 filing
Seasonal peak: 2021-10 12.5%; 8–15% band · 2 filings
Divergent corpus ranks: #1,637 volume; #2,612 composite; Cleanest-composite ladder is 975 places worse than volume

How does Protocol Recovery Service, Inc. compare to its peers?

How does Protocol Recovery Service, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Protocol Recovery Serv… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

81%

91%

Consumer-dispute ratelower is better

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-02 2025-08

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	14
False statements or representation	3
Communication tactics	2
Disclosure verification of debt	2
Improper contact or sharing of info	2
Taking/threatening an illegal action	2
Attempts to collect debt not owed	1
Took or threatened to take negative or legal action	1

Where do complaints against Protocol Recovery Service, Inc. come from?

Protocol Recovery Service, Inc.'s own per-state count, not a national baseline.

California

6
Nevada

2
Pennsylvania

2
South Dakota

2
Vermont

2
Florida

1
Georgia

1
Illinois

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Protocol Recovery Service, Inc.: 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: 27.

4 peers

Know your rights before responding to Protocol Recovery Service, Inc.: 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.