Protas, Spivok & Collins. LLC -- Consumer Complaint Report & Risk Analysis
Timely Debt Notifications and Legal Threats
Complaint Summary
Protas, Spivok & Collins. LLC has received 4 consumer complaints filed with the CFPB across 1 product. The most common issues reported are written notification about debt, took or threatened to take negative or legal action. Complaints span 2 states, with Maryland and Virginia leading in complaint volume.
Company Overview
Company: Protas, Spivok & Collins. LLC
Total CFPB Complaints: 4
AI Risk Score: 53/100
Most Recent Complaint: 2024-03-27T12:00:00-05:00
Risk Breakdown
- Complaint Volume: medium
- Response Quality: fair
- Issue Recurrence: medium
- Consumer Harm Severity: low
AI Company Analysis
Protas, Spivok & Collins. LLC has 4 consumer complaints on file with the CFPB. Company has received multiple complaints regarding timely notifications about debt. There is a single complaint about threats of legal action.
Response Quality Assessment
fair
Top Consumer Issues
Failure to provide timely written notifications about debt -- Severity: medium
Red Flags
- Complaints about threats of legal action
Green Flags
- No history of significant regulatory action in the industry
Consumer Tips & Advice
Consumers should keep records of all communications regarding debt.
Complaint Trend Analysis
There is a trend of increasing complaints about debt collection practices.
Regulatory History
The company has a history of regulatory compliance but has faced recent complaints.
Industry Context
The debt collection industry is regulated by the Fair Debt Collection Practices Act (FDCPA).
Frequently Asked Questions About Protas, Spivok & Collins. LLC
How many CFPB complaints does Protas, Spivok & Collins. LLC have?
Protas, Spivok & Collins. LLC has 4 complaints on file with the CFPB. The most recent complaint was filed on March 27, 2024.
What is Protas, Spivok & Collins. LLC's complaint response rate?
Response rate data is not yet available for Protas, Spivok & Collins. LLC.
Does Protas, Spivok & Collins. LLC respond to complaints on time?
Timely response data is not yet available for Protas, Spivok & Collins. LLC.
Is Protas, Spivok & Collins. LLC safe to do business with?
Timely Debt Notifications and Legal Threats Protas, Spivok & Collins. LLC has 4 CFPB complaints. Risk score: 53/100.
What red flags exist for Protas, Spivok & Collins. LLC?
Potential red flags for Protas, Spivok & Collins. LLC: Complaints about threats of legal action. These are based on analysis of CFPB complaint patterns.
What are Protas, Spivok & Collins. LLC's strengths?
Positive indicators for Protas, Spivok & Collins. LLC: No history of significant regulatory action in the industry.
What tips should consumers know about Protas, Spivok & Collins. LLC?
Consumers should keep records of all communications regarding debt.
Are complaints against Protas, Spivok & Collins. LLC increasing or decreasing?
There is a trend of increasing complaints about debt collection practices. Protas, Spivok & Collins. LLC currently has 4 total complaints.
Has Protas, Spivok & Collins. LLC faced regulatory action?
The company has a history of regulatory compliance but has faced recent complaints.
How does Protas, Spivok & Collins. LLC compare to industry peers?
The debt collection industry is regulated by the Fair Debt Collection Practices Act (FDCPA).
What specific actions can consumers take if they receive threats of legal action from the company?
Consumers can seek legal advice and contact the Federal Trade Commission (FTC) or their state attorney general's office for assistance.
Recent Complaints Against Protas, Spivok & Collins. LLC
| Complaint ID | Product | Issue | Date Received | Company Response | State |
|---|---|---|---|---|---|
| #17802123 | Debt collection | Written notification about debt | 2025-11-21T12:00:00-05:00 | Maryland | |
| #18192423 | Debt collection | Written notification about debt | 2025-11-01T12:00:00-05:00 | Maryland | |
| #8643766 | Debt collection | Written notification about debt | 2024-03-27T12:00:00-05:00 | Virginia | |
| #6747064 | Debt collection | Took or threatened to take negative or legal action | 2023-03-24T12:00:00-05:00 | Virginia |
Protas, Spivok & Collins. LLC Complaints by State
- Protas, Spivok & Collins. LLC Complaints in Maryland -- 2 complaints
- Protas, Spivok & Collins. LLC Complaints in Virginia -- 2 complaints
Protas, Spivok & Collins. LLC Complaints by Product
Protas, Spivok & Collins. LLC Complaints by Issue
Disclaimer
This analysis is based on CFPB complaint data and AI interpretation.
About This Report
This consumer complaint report for Protas, Spivok & Collins. LLC is generated by ReadTheComplaint using AI analysis of data from the CFPB.