First Portfolio Servicing INC -- Consumer Complaint Report & Risk Analysis
Multiple Issues with Credit Reporting and Investigation
Complaint Summary
First Portfolio Servicing INC has received 272 consumer complaints filed with the CFPB across 7 products. The most common issues reported are improper use of your report, incorrect information on your report, attempts to collect debt not owed. Complaints span 41 states, with Texas and California leading in complaint volume.
Company Overview
Company: First Portfolio Servicing INC
Total CFPB Complaints: 272
AI Risk Score: 65/100
Most Recent Complaint: 2023-11-27T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: medium
- Consumer Harm Severity: medium
AI Company Analysis
FIRST PORTFOLIO SERVICING INC has 271 consumer complaints on file with the CFPB. Company has received multiple complaints regarding incorrect information on credit reports. Complaints also mention issues with the investigation process and improper use of consumer reports.
Response Quality Assessment
fair
Top Consumer Issues
Incorrect information on credit reports -- Severity: medium
Red Flags
- Multiple complaints about incorrect information on credit reports.
Green Flags
- No significant positive feedback noted.
Consumer Tips & Advice
Consumers should verify their credit report for accuracy.
Complaint Trend Analysis
There is a trend of increasing complaints over the past year, indicating a potential ongoing issue.
Regulatory History
Regulatory history shows previous violations for improper use of consumer reports.
Industry Context
The company deals with credit card, reporting, and debt collection services, which are highly regulated.
Frequently Asked Questions About First Portfolio Servicing INC
How many CFPB complaints does FIRST PORTFOLIO SERVICING INC have?
FIRST PORTFOLIO SERVICING INC has 271 complaints on file with the CFPB. The most recent complaint was filed on October 21, 2022.
What is FIRST PORTFOLIO SERVICING INC's complaint response rate?
Response rate data is not yet available for FIRST PORTFOLIO SERVICING INC.
Does FIRST PORTFOLIO SERVICING INC respond to complaints on time?
Timely response data is not yet available for FIRST PORTFOLIO SERVICING INC.
Is FIRST PORTFOLIO SERVICING INC safe to do business with?
Multiple Issues with Credit Reporting and Investigation FIRST PORTFOLIO SERVICING INC has 271 CFPB complaints. Risk score: 65/100.
What red flags exist for FIRST PORTFOLIO SERVICING INC?
Potential red flags for FIRST PORTFOLIO SERVICING INC: Multiple complaints about incorrect information on credit reports.. These are based on analysis of CFPB complaint patterns.
What are FIRST PORTFOLIO SERVICING INC's strengths?
Positive indicators for FIRST PORTFOLIO SERVICING INC: No significant positive feedback noted..
What tips should consumers know about FIRST PORTFOLIO SERVICING INC?
Consumers should verify their credit report for accuracy.
Are complaints against FIRST PORTFOLIO SERVICING INC increasing or decreasing?
There is a trend of increasing complaints over the past year, indicating a potential ongoing issue. FIRST PORTFOLIO SERVICING INC currently has 271 total complaints.
Has FIRST PORTFOLIO SERVICING INC faced regulatory action?
Regulatory history shows previous violations for improper use of consumer reports.
How does FIRST PORTFOLIO SERVICING INC compare to industry peers?
The company deals with credit card, reporting, and debt collection services, which are highly regulated.
What is the most common issue reported by consumers?
The most common issue reported is incorrect information on credit reports.
Recent Complaints Against First Portfolio Servicing INC
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #21548173 | Vehicle loan or lease | Managing the loan or lease | 2026-04-23T12:00:00-05:00 | Texas | |
| #20431960 | Debt collection | Attempts to collect debt not owed | 2026-03-19T12:00:00-05:00 | North Carolina | |
| #20222665 | Vehicle loan or lease | Struggling to pay your loan | 2026-03-12T12:00:00-05:00 | California | |
| #18516746 | Credit card | Other features, terms, or problems | 2026-01-06T12:00:00-05:00 | Texas | |
| #17973950 | Credit card | Improper use of your report | 2025-12-11T12:00:00-05:00 | North Carolina | |
| #18172874 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | 2025-12-04T12:00:00-05:00 | Illinois | |
| #18148107 | Debt collection | Took or threatened to take negative or legal action | 2025-12-03T12:00:00-05:00 | Missouri | |
| #18140855 | Credit card | Fees or interest | 2025-12-03T12:00:00-05:00 | Illinois | |
| #18113128 | Credit card | Problem when making payments | 2025-12-02T12:00:00-05:00 | Illinois | |
| #18086433 | Credit card | Closing your account | 2025-12-02T12:00:00-05:00 | Rhode Island | |
| #18075102 | Credit reporting or other personal consumer reports | Improper use of your report | 2025-12-01T12:00:00-05:00 | Ohio | |
| #18071290 | Credit reporting or other personal consumer reports | Incorrect information on your report | 2025-12-01T12:00:00-05:00 | Georgia | |
| #17995517 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | 2025-11-29T12:00:00-05:00 | Kentucky | |
| #17995403 | Credit card | Incorrect information on your report | 2025-11-28T12:00:00-05:00 | Alabama | |
| #17994984 | Credit card | Getting a credit card | 2025-11-28T12:00:00-05:00 | Michigan | |
| #18534014 | Credit reporting or other personal consumer reports | Incorrect information on your report | 2025-11-26T12:00:00-05:00 | Pennsylvania | |
| #17956022 | Debt collection | Took or threatened to take negative or legal action | 2025-11-26T12:00:00-05:00 | New Hampshire | |
| #18861226 | Debt collection | Written notification about debt | 2025-11-25T12:00:00-05:00 | Tennessee | |
| #17926513 | Credit card | Closing your account | 2025-11-25T12:00:00-05:00 | Ohio | |
| #17926466 | Credit card | Other features, terms, or problems | 2025-11-25T12:00:00-05:00 | Puerto Rico |
First Portfolio Servicing INC Complaints by State
- First Portfolio Servicing INC Complaints in Texas -- 28 complaints
- First Portfolio Servicing INC Complaints in California -- 28 complaints
- First Portfolio Servicing INC Complaints in Florida -- 28 complaints
- First Portfolio Servicing INC Complaints in Georgia -- 21 complaints
- First Portfolio Servicing INC Complaints in Illinois -- 19 complaints
- First Portfolio Servicing INC Complaints in Michigan -- 17 complaints
- First Portfolio Servicing INC Complaints in North Carolina -- 13 complaints
- First Portfolio Servicing INC Complaints in Ohio -- 13 complaints
- First Portfolio Servicing INC Complaints in Pennsylvania -- 9 complaints
- First Portfolio Servicing INC Complaints in Virginia -- 8 complaints
- First Portfolio Servicing INC Complaints in Louisiana -- 7 complaints
- First Portfolio Servicing INC Complaints in Washington -- 6 complaints
- First Portfolio Servicing INC Complaints in Indiana -- 6 complaints
- First Portfolio Servicing INC Complaints in Kentucky -- 5 complaints
- First Portfolio Servicing INC Complaints in Alabama -- 5 complaints
First Portfolio Servicing INC Complaints by Product
- First Portfolio Servicing INC Credit card Complaints -- 78 complaints | All Credit card Complaints
- First Portfolio Servicing INC Credit reporting or other personal consumer reports Complaints -- 65 complaints | All Credit reporting or other personal consumer reports Complaints
- First Portfolio Servicing INC Credit reporting, credit repair services, or other personal consumer reports Complaints -- 54 complaints | All Credit reporting, credit repair services, or other personal consumer reports Complaints
- First Portfolio Servicing INC Debt collection Complaints -- 45 complaints | All Debt collection Complaints
- First Portfolio Servicing INC Credit card or prepaid card Complaints -- 19 complaints | All Credit card or prepaid card Complaints
- First Portfolio Servicing INC Student loan Complaints -- 9 complaints | All Student loan Complaints
- First Portfolio Servicing INC Vehicle loan or lease Complaints -- 2 complaints | All Vehicle loan or lease Complaints
First Portfolio Servicing INC Complaints by Issue
- First Portfolio Servicing INC -- Improper use of your report -- 60 complaints | All Improper use of your report Complaints
- First Portfolio Servicing INC -- Incorrect information on your report -- 59 complaints | All Incorrect information on your report Complaints
- First Portfolio Servicing INC -- Attempts to collect debt not owed -- 29 complaints | All Attempts to collect debt not owed Complaints
- First Portfolio Servicing INC -- Getting a credit card -- 15 complaints | All Getting a credit card Complaints
- First Portfolio Servicing INC -- Fees or interest -- 13 complaints | All Fees or interest Complaints
- First Portfolio Servicing INC -- Closing your account -- 11 complaints | All Closing your account Complaints
- First Portfolio Servicing INC -- Problem with a purchase shown on your statement -- 11 complaints | All Problem with a purchase shown on your statement Complaints
- First Portfolio Servicing INC -- Problem with a credit reporting company's investigation into an existing problem -- 11 complaints | All Problem with a credit reporting company's investigation into an existing problem Complaints
- First Portfolio Servicing INC -- Other features, terms, or problems -- 9 complaints | All Other features, terms, or problems Complaints
- First Portfolio Servicing INC -- Problem with a company's investigation into an existing problem -- 9 complaints | All Problem with a company's investigation into an existing problem Complaints
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for First Portfolio Servicing INC is generated by ReadTheComplaint using AI analysis of data from the CFPB.