What is the most common complaint against V and H Portfolio?

The most common issue consumers report about V and H Portfolio is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 2,568 complaints filed with the CFPB.

Are complaints against V and H Portfolio increasing or decreasing?

Complaints against V and H Portfolio are rising. The company received 1,098 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is V and H Portfolio's reputation grade?

V and H Portfolio has a reputation grade of D (score: 54.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does V and H Portfolio respond to consumer complaints?

V and H Portfolio has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does V and H Portfolio operate?

V and H Portfolio has received CFPB complaints from consumers in 50 states, with the most complaints from Texas (693 complaints).

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

V and H Portfolio - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

1,297
Written notification about debt

558
Took or threatened to take negative or legal action

321
False statements or representation

293
Communication tactics

55
Threatened to contact someone or share information improperly

16

Data updated September 2026

CFPB complaint disposition

CCDB record v-and-h-portfolio V and H Portfolio

Grade D · 2,568 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #63 · compose #3398

VOL 2,568
GRADE D
12MO 1,098
STATES 50
TIMELY 99%
DISPUTE 13%
ISSUE Attempts to collect debt n…
RANK #63
COMPOSE #3,398

Volume peers

Nearest volume peer: Self Financial Inc. (2,568 complaints)

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

V and H Portfolio's 2,568 CFPB complaints sit next to Self Financial Inc. 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

Texas is the plurality state for V and H Portfolio (27.0%)

Volume rank #63 and composite rank #3,398 diverge by 3,335 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 27.0%; Mid-band (15–30%) · 50 states with ≥1 filing
Seasonal peak: 2025-12 12.1%; 8–15% band · 148 filings
Divergent corpus ranks: #63 volume; #3,398 composite; Cleanest-composite ladder is 3,335 places worse than volume

How does V and H Portfolio compare to its peers?

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

V and H Portfolio National average

Complaints (last 12 mo)lower is better

1,098

1,595

268

Timely-response ratehigher is better

99%

91%

Consumer-dispute ratelower is better

13%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1,297
Written notification about debt	558
Took or threatened to take negative or legal action	321
False statements or representation	293
Communication tactics	55
Threatened to contact someone or share information improperly	16
Electronic communications	14
Disclosure verification of debt	7
Cont'd attempts collect debt not owed	5
Improper contact or sharing of info	1

Where do complaints against V and H Portfolio come from?

V and H Portfolio's own per-state count, not a national baseline.

Texas

693
Florida

421
California

193
South Carolina

164
Georgia

137
Louisiana

102
Ohio

92
Illinois

74

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for V and H Portfolio: 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: 2,568.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.22161172161172%.

4 peers

Know your rights before responding to V and H Portfolio: 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.