Total CFPB complaints
805
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 805 complaints
SELECT PORTFOLIO SERVICING, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 42 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about SELECT PORTFOLIO SERVICING, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
172 complaints
- False statements or representation
False statements or representation
120 complaints
- Written notification about debt
Written notification about debt
104 complaints
- Disclosure verification of debt
Disclosure verification of debt
102 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
90 complaints
- Taking/threatening an illegal action 29
Taking/threatening an illegal action
29 complaints
F
Grade F · 52.0/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about SELECT PORTFOLIO SERVICING, INC.?
SELECT PORTFOLIO SERVICING, INC. has accumulated 805 total CFPB complaints across 42 states, with 38 filed in the most recent 12 months against 767 historical complaints before that window. The trailing-12-month volume represents 4.7% 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 "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 35% 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 42 states, led by California with 144 and Florida with 109, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.0/100 places SELECT PORTFOLIO SERVICING, INC. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
38
4.7% of total history
Stable →
States active
42
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
35%
After company response
Reputation grade
F
52.0/100 composite
Response-quality profile
How SELECT PORTFOLIO SERVICING, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 70.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 75.0%
Share of US states + territories with at least one filed complaint against this collector.
How does SELECT PORTFOLIO SERVICING, INC. compare to its peers?
SELECT PORTFOLIO SERVI… 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)
2023-12 2026-02
Top Consumer Issues
False statements or representation120 (%)
Written notification about debt104 (%)
Disclosure verification of debt102 (%)
Took or threatened to take negative or legal action90 (%)
Attempts to collect debt not owed172 (%)
Taking/threatening an illegal action29 (%)
Communication tactics27 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
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 | Attempted to collect wrong amount | 120 |
| Written notification about debt | Didn't receive enough information to verify debt | 104 |
| Disclosure verification of debt | Not given enough info to verify debt | 102 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 90 |
| Attempts to collect debt not owed | Debt was paid | 66 |
| Attempts to collect debt not owed | Debt is not yours | 49 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 35 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 29 |
| Communication tactics | Frequent or repeated calls | 27 |
| Attempts to collect debt not owed | Debt was result of identity theft | 22 |
Where do complaints against SELECT PORTFOLIO SERVICING, INC. come from?
The states where consumers have filed the most CFPB complaints against SELECT PORTFOLIO SERVICING, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against SELECT PORTFOLIO SERVICING, INC.
Across 42 states with at least one filing
- California
California
144 complaints
- Florida
Florida
109 complaints
- Georgia
Georgia
84 complaints
- New York
New York
64 complaints
- New Jersey 49
New Jersey
49 complaints
- Maryland 31
Maryland
31 complaints
- Missouri 28
Missouri
28 complaints
- Connecticut 27
Connecticut
27 complaints
Frequently Asked Questions
What is the most common complaint against SELECT PORTFOLIO SERVICING, INC.? ▼
The most common issue consumers report about SELECT PORTFOLIO SERVICING, INC. is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 805 complaints filed with the CFPB.
Are complaints against SELECT PORTFOLIO SERVICING, INC. increasing or decreasing? ▼
Complaints against SELECT PORTFOLIO SERVICING, INC. have been stable. The company received 38 complaints in the last 12 months.
What is SELECT PORTFOLIO SERVICING, INC.'s reputation grade? ▼
SELECT PORTFOLIO SERVICING, INC. has a reputation grade of F (score: 52.0/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does SELECT PORTFOLIO SERVICING, INC. respond to consumer complaints? ▼
SELECT PORTFOLIO SERVICING, INC. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 35% of cases.
In how many states does SELECT PORTFOLIO SERVICING, INC. operate? ▼
SELECT PORTFOLIO SERVICING, INC. has received CFPB complaints from consumers in 42 states, with the most complaints from California (144 complaints).
What can I do if SELECT PORTFOLIO SERVICING, 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 SELECT PORTFOLIO SERVICING, 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 |