Total CFPB complaints
2,184
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 2,184 complaints
V and H Portfolio — Debt Collector Complaint Profile
CFPB complaint profile across 50 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about V and H Portfolio
- Attempts to collect debt not owed
Attempts to collect debt not owed
1,079 complaints
- Written notification about debt
Written notification about debt
487 complaints
- False statements or representation 236
False statements or representation
236 complaints
- Took or threatened to take negative or legal action 230
Took or threatened to take negative or legal action
230 complaints
- Communication tactics 42
Communication tactics
42 complaints
D
Grade D · 56.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about V and H Portfolio?
V and H Portfolio has accumulated 2,184 total CFPB complaints across 50 states, with 924 filed in the most recent 12 months against 1,260 historical complaints before that window. The trailing-12-month volume represents 42.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", 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 13% 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 50 states, led by Texas with 569 and Florida with 373, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.9/100 places V and H Portfolio in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
924
42.3% of total history
Rising ↑
States active
50
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
D
56.9/100 composite
Response-quality profile
How V and H Portfolio performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 26.7%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 89.3%
Share of US states + territories with at least one filed complaint against this collector.
How does V and H Portfolio compare to its peers?
V and H Portfolio 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed1,079 (%)
Written notification about debt487 (%)
False statements or representation236 (%)
Took or threatened to take negative or legal action230 (%)
Communication tactics42 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 636 |
| Attempts to collect debt not owed | Debt was result of identity theft | 343 |
| Written notification about debt | Didn't receive enough information to verify debt | 298 |
| False statements or representation | Attempted to collect wrong amount | 236 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 230 |
| Written notification about debt | Didn't receive notice of right to dispute | 189 |
| Attempts to collect debt not owed | Debt was paid | 78 |
| Communication tactics | Frequent or repeated calls | 25 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 22 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 17 |
Where do complaints against V and H Portfolio come from?
The states where consumers have filed the most CFPB complaints against V and H Portfolio. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against V and H Portfolio
Across 50 states with at least one filing
- Texas
Texas
569 complaints
- Florida
Florida
373 complaints
- California 183
California
183 complaints
- Georgia 122
Georgia
122 complaints
- South Carolina 104
South Carolina
104 complaints
- Louisiana 84
Louisiana
84 complaints
- Ohio 82
Ohio
82 complaints
- Illinois 65
Illinois
65 complaints
Frequently Asked Questions
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 2,184 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 924 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: 56.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (569 complaints).
What can I do if V and H Portfolio 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 V and H Portfolio 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 |