What is the most common complaint against Searay Portfolio Management?

The most common issue consumers report about Searay Portfolio Management is "Communication tactics", specifically "Indicated committed crime not paying". This is based on 21 complaints filed with the CFPB.

Are complaints against Searay Portfolio Management increasing or decreasing?

Complaints against Searay Portfolio Management are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Searay Portfolio Management's reputation grade?

Searay Portfolio Management has a reputation grade of C (score: 59.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Searay Portfolio Management respond to consumer complaints?

Searay Portfolio Management has a 86% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.

In how many states does Searay Portfolio Management operate?

Searay Portfolio Management has received CFPB complaints from consumers in 12 states, with the most complaints from California (4 complaints).

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

Searay Portfolio Management - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade C.

Compiled by PlainCollector

Communication tactics

6
Taking/threatening an illegal action

5
False statements or representation

4
Improper contact or sharing of info

3
Took or threatened to take negative or legal action

1
Cont'd attempts collect debt not owed

1

Data updated September 2026

CFPB complaint disposition

CCDB record searay-portfolio-management Searay Portfolio Management

Grade C · 21 CFPB filings · 86% timely · lead issue: Communication tactics · vol #1872 · compose #2435

VOL 21
GRADE C
12MO 0
STATES 12
TIMELY 86%
DISPUTE 20%
ISSUE Communication tactics
RANK #1,872
COMPOSE #2,435

Volume peers

Nearest volume peer: A & E Futures LLC (21 complaints)

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

Searay Portfolio Management's 21 CFPB complaints sit next to A & E Futures 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 Searay Portfolio Management (19.0%)

Volume rank #1,872 and composite rank #2,435 diverge by 563 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 19.0%; Mid-band (15–30%) · 12 states with ≥1 filing
Seasonal peak: 2016-02 11.8%; 8–15% band · 2 filings
Divergent corpus ranks: #1,872 volume; #2,435 composite; Cleanest-composite ladder is 563 places worse than volume

How does Searay Portfolio Management compare to its peers?

How does Searay Portfolio Management compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Searay Portfolio Manag… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

86%

100%

91%

Consumer-dispute ratelower is better

20%

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-12 2024-07

Issue Detail Breakdown

Issue	Complaints
Communication tactics	6
Taking/threatening an illegal action	5
False statements or representation	4
Improper contact or sharing of info	3
Took or threatened to take negative or legal action	1
Cont'd attempts collect debt not owed	1
Disclosure verification of debt	1

Where do complaints against Searay Portfolio Management come from?

Searay Portfolio Management's own per-state count, not a national baseline.

California

4
Mississippi

2
New Jersey

2
North Carolina

2
Ohio

2
Texas

2
Virginia

2
Florida

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Searay Portfolio Management: 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: 21.

4 peers

Know your rights before responding to Searay Portfolio Management: 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.