Total CFPB complaints
27
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 27 complaints
Protocol Recovery Service, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 18 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Protocol Recovery Service, Inc.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
14 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Taking/threatening an illegal action 2
Taking/threatening an illegal action
2 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
C
Grade C · 62.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Protocol Recovery Service, Inc.?
Protocol Recovery Service, Inc. has accumulated 27 total CFPB complaints across 18 states, with 1 filed in the most recent 12 months against 26 historical complaints before that window. The trailing-12-month volume represents 3.7% 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 81% timely-response rate against a 13% 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 18 states, led by California with 6 and Nevada with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.2/100 places Protocol Recovery Service, Inc. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
3.7% of total history
Rising ↑
States active
18
Distinct state filings
Timely response rate
81%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
C
62.2/100 composite
Response-quality profile
How Protocol Recovery Service, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 81.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 25.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 32.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Protocol Recovery Service, Inc. compare to its peers?
Protocol Recovery Serv… 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)
2013-09 2025-08
Top Consumer Issues
Cont'd attempts collect debt not owed14 (%)
Disclosure verification of debt2 (%)
Improper contact or sharing of info2 (%)
False statements or representation2 (%)
Taking/threatening an illegal action2 (%)
Attempts to collect debt not owed1 (%)
Took or threatened to take negative or legal action1 (%)
Communication tactics1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 2 |
| Improper contact or sharing of info | Contacted me after I asked not to | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Protocol Recovery Service, Inc. come from?
The states where consumers have filed the most CFPB complaints against Protocol Recovery Service, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Protocol Recovery Service, Inc.
Across 18 states with at least one filing
- California
California
6 complaints
- Nevada 2
Nevada
2 complaints
- South Dakota 2
South Dakota
2 complaints
- Pennsylvania 2
Pennsylvania
2 complaints
- Vermont 2
Vermont
2 complaints
- Georgia 1
Georgia
1 complaints
- Mississippi 1
Mississippi
1 complaints
- Michigan 1
Michigan
1 complaints
Frequently Asked Questions
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 rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Protocol Recovery Service, Inc.'s reputation grade? ▼
Protocol Recovery Service, Inc. has a reputation grade of C (score: 62.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Protocol Recovery Service, 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 Protocol Recovery Service, 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 |