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

CFPB complaint data Grade D 2,568 complaints

V and H Portfolio - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Complaints by issue type

What consumers report about V and H Portfolio

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #150

  • VOL 2,568
  • GRADE D
  • 12MO 1,098
  • STATES 50
  • TIMELY 99%
  • DISPUTE 13%
  • ISSUE Attempts to collect debt n…
  • RANK #63
  • COMPOSE #150

Volume peers

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

Debt Recovery Solutions, LLCDebt Recovery Solutions, LLC2,500Ally Financial Inc.Ally Financial Inc.2,557The CMI Group, Inc.The CMI Group, Inc.2,558Self Financial Inc.Self Financial Inc.2,568V and H Portfolio (this)V and H Portfolio (this)2,568
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 →

How the 2,568 complaints break down

Every complaint issue type on record for V and H Portfolio, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.7/100
V and H Portfolio

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
2,568
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
13%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#63 volume
#150 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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%
99%
91%
Consumer-dispute ratelower is better
13%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy V and H Portfolio a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 92%94%96%98%100%102% 5%10%15%20%25%30% Timely response rate (%) Dispute rate (%) V and H Portfolio vs. 9 similar-volume peers, by response speed and dispute rate V and H PortfolioThe CMI Group, Inc.ALLY FINANCIAL INC.Debt Recovery Solutions, LLCAargon Agency, Inc.EOS Holdings, Inc.Central Portfolio Control Inc.Phoenix Financial Services LLCCREDIT ACCEPTANCE CORPORATIONMedical Data Systems, Inc.
Source: CFPB Consumer Complaint Database

V and H Portfolio's complaint volume in context

V and H Portfolio vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

2,568 Top 1% higher than 99% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. V and H Portfolio 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against V and H Portfolio

Across 50 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.