Total CFPB complaints
21
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 21 complaints
Searay Portfolio Management — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Searay Portfolio Management
- Communication tactics
Communication tactics
6 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
5 complaints
- False statements or representation
False statements or representation
4 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
3 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
C
Grade C · 63.5/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Indicated committed crime not paying", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 86% timely-response rate against a 20% 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 12 states, led by California with 4 and New Jersey 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 63.5/100 places Searay Portfolio Management 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
0
0.0% of total history
Stable →
States active
12
Distinct state filings
Timely response rate
86%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
63.5/100 composite
Response-quality profile
How Searay Portfolio Management performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 40.0%
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?
Searay Portfolio Manag… 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)
2014-03 2019-06
Top Consumer Issues
False statements or representation4 (%)
Improper contact or sharing of info3 (%)
Taking/threatening an illegal action5 (%)
Communication tactics6 (%)
Disclosure verification of debt1 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: False statements or representation — Indicated committed crime not paying
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 |
|---|---|---|
| False statements or representation | Indicated committed crime not paying | 3 |
| Improper contact or sharing of info | Talked to a third party about my debt | 3 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 2 |
| Communication tactics | Threatened to take legal action | 2 |
| False statements or representation | Impersonated an attorney or official | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
| Took or threatened to take negative or legal action | Sued you in a state where you do not live or did not sign for the debt | 1 |
Where do complaints against Searay Portfolio Management come from?
The states where consumers have filed the most CFPB complaints against Searay Portfolio Management. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Searay Portfolio Management
Across 12 states with at least one filing
- California
California
4 complaints
- New Jersey
New Jersey
2 complaints
- North Carolina
North Carolina
2 complaints
- Mississippi
Mississippi
2 complaints
- Ohio
Ohio
2 complaints
- Virginia
Virginia
2 complaints
- Texas
Texas
2 complaints
- Maryland 1
Maryland
1 complaints
Frequently Asked Questions
What is the most common complaint against Searay Portfolio Management? ▼
The most common issue consumers report about Searay Portfolio Management is "False statements or representation", 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 have been stable. The company received 0 complaints in the last 12 months.
What is Searay Portfolio Management's reputation grade? ▼
Searay Portfolio Management has a reputation grade of C (score: 63.5/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Searay Portfolio Management 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 Searay Portfolio Management 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 |