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

CFPB complaint data Grade F 806 complaints

Select Portfolio Servicing, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade F.

Complaints by issue type

What consumers report about Select Portfolio Servicing, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 52.0/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: Select Portfolio Servicing, Inc. ranks ahead of 19% of the 5,283 collectors PlainCollector grades - 81% keep a cleaner CFPB record, on 806 all-time complaints and a 99% timely-response rate.

19th pct
reputation rank of 5,283 graded collectors
806
CFPB complaints, all-time
99%
answered inside the CFPB window
39
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 Select Portfolio Servicing, Inc.?

Select Portfolio Servicing, Inc. has accumulated 806 total CFPB complaints across 42 states, with 39 filed in the most recent 12 months against 767 historical complaints before that window. The trailing-12-month volume represents 4.8% 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 "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 99% timely-response rate against a 35% consumer-dispute-after-response rate.

Complaints have been recorded across 42 states, led by California with 144 and Florida with 111. Normalized against the full CFPB collector database, the reputation score of 52.0/100 places Select Portfolio Servicing, Inc. in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

806

mid-volume (CCDB)

Last 12 months

39

4.8% of all-time complaints

Falling ↓

States active

42

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

35%

high (vertical avg ~19%)

Reputation grade

F

52.0/100 composite

How does Select Portfolio Servicing, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

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

52 Bottom 19% higher than 19% 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%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 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

Select Portfolio Servicing, Inc. versus the debt-collection vertical average.

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) 35.3%
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?

How does SELECT PORTFOLIO SERVICING, INC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
SELECT PORTFOLIO SERVI… National average
Complaints (last 12 mo)lower is better
39
211
268
Timely-response ratehigher is better
99%
95%
91%
Consumer-dispute ratelower is better
35%
19%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-01 2021-06

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 178
False statements or representation - 142
Took or threatened to take negative or legal action - 123
Written notification about debt - 114
Disclosure verification of debt - 111
Communication tactics - 50
Cont'd attempts collect debt not owed - 43
Taking/threatening an illegal action - 33
Threatened to contact someone or share information improperly - 6
Improper contact or sharing of info - 6

Where do complaints against Select Portfolio Servicing, Inc. come from?

Select Portfolio Servicing, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Select Portfolio Servicing, Inc.

Across 42 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Select Portfolio Servicing, Inc. contacts you

A grade of F signals how Select Portfolio Servicing, Inc.'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 Select Portfolio Servicing, Inc. 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 Select Portfolio Servicing, Inc. 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 Select Portfolio Servicing, Inc.? ▼

The most common issue consumers report about Select Portfolio Servicing, Inc. is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 806 complaints filed with the CFPB.

Are complaints against Select Portfolio Servicing, Inc. increasing or decreasing? ▼

Complaints against Select Portfolio Servicing, Inc. are falling. The company received 39 complaints in the last 12 months, showing improvement over prior periods.

What is Select Portfolio Servicing, Inc.'s reputation grade? ▼

Select Portfolio Servicing, Inc. has a reputation grade of F (score: 52.0/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

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.