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

CFPB complaint data Grade C 21 complaints

Searay Portfolio Management - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade C.

Complaints by issue type

What consumers report about Searay Portfolio Management

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 63.5/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Searay Portfolio Management ranks ahead of 55% of the 5,283 collectors PlainCollector grades - 45% keep a cleaner CFPB record, on 21 all-time complaints and a 86% timely-response rate.

55th pct
reputation rank of 5,283 graded collectors
21
CFPB complaints, all-time
86%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Searay Portfolio Management?

Searay Portfolio Management has accumulated 21 total CFPB complaints across 12 states, with 0 filed in the most recent 12 months against 21 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Communication tactics", narrowing to "Indicated committed crime not paying". The company posts a 86% timely-response rate against a 20% consumer-dispute-after-response rate.

Complaints have been recorded across 12 states, led by California with 4 and Mississippi with 2. Normalized against the full CFPB collector database, the reputation score of 63.5/100 places Searay Portfolio Management in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

21

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

12

regional footprint

Timely response rate

86%

acceptable band

Consumer disputes

20%

elevated (vertical avg ~19%)

Reputation grade

C

63.5/100 composite

How does Searay Portfolio Management's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

64 55th percentile higher than 55% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Searay Portfolio Management versus the debt-collection vertical average.

Timely response within SLA 85.7%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 20.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 21.4%

Share of US states + territories with at least one filed complaint against this collector.

How does Searay Portfolio Management compare to its peers?

How does Searay Portfolio Management compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Searay Portfolio Manag… National average
Complaints (last 12 mo)lower is better
0
9
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 Sub-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.

Top states by complaints against Searay Portfolio Management

Across 12 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Searay Portfolio Management contacts you

A grade of C signals how Searay Portfolio Management's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Searay Portfolio Management and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Searay Portfolio Management ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 63.5/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.