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

Data updated July 2026

D

Grade D · 56.9/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: V and H Portfolio ranks ahead of 31% of the 5,283 collectors PlainCollector grades - 69% keep a cleaner CFPB record, on 2,568 all-time complaints and a 99% timely-response rate.

31st pct
reputation rank of 5,283 graded collectors
2,568
CFPB complaints, all-time
99%
answered inside the CFPB window
1,098
in the last 12 months (rising)

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 V and H Portfolio?

V and H Portfolio has accumulated 2,568 total CFPB complaints across 50 states, with 1,098 filed in the most recent 12 months against 1,470 historical complaints before that window. The trailing-12-month volume represents 42.8% 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". The company posts a 99% timely-response rate against a 13% consumer-dispute-after-response rate.

Complaints have been recorded across 50 states, led by Texas with 693 and Florida with 421. Normalized against the full CFPB collector database, the reputation score of 56.9/100 places V and H Portfolio in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

2,568

high-volume (CCDB)

Last 12 months

1,098

42.8% of all-time complaints

Rising ↑

States active

50

nationwide footprint

Timely response rate

99%

excellent band

Consumer disputes

13%

average (vertical avg ~19%)

Reputation grade

D

56.9/100 composite

How does V and H Portfolio's reputation rank nationally?

Reputation score vs. every graded collector

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

57 31st percentile higher than 31% 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

V and H Portfolio versus the debt-collection vertical average.

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) 13.3%
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?

How does V and H Portfolio compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if V and H Portfolio contacts you

A grade of D signals how V and H Portfolio'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 V and H Portfolio 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 V and H Portfolio 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 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: 56.9/100), 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).

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.