CFPB Consumer Complaint Profile
Searay Portfolio Management
Consumers have filed 21 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 21
- Total complaints
- Mid-range
- 0
- Last 12 months
- 85.7%
- Timely response
- Bottom quartile
- 12
- States affected
The verdict
Searay Portfolio Management ranks #2800 of 3,843 financial companies by CFPB complaint volume, with 21 complaints on record. Its on-time response rate is 85.7%, the 13th percentile among companies with 100+ complaints.
- #2800
- of 3,843 companies by volume
- 85.7%
- on time (13th pctile)
- Debt collection
- most-complained product
- 12
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Searay Portfolio Management vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
85.7% Among the lowest higher than 13% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2014 to 2019 complete years
- Annual CFPB complaint volume moved from 20 in 2014 to 1 in 2019 (2014 → 2019).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 20 |
| 2019 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Searay Portfolio Management
21 complaints against Searay Portfolio Management appear in the CFPB record, including 0 from the trailing year. The 12 states and territories represented put this footprint in geographically concentrated territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Communication tactics" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Searay Portfolio Management posts a 85.7% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response carried a 20% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 0%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Searay Portfolio Management have?
21 complaints have been filed against Searay Portfolio Management with the CFPB overall - 0 of them in the past year.
Does Searay Portfolio Management respond to complaints on time?
Searay Portfolio Management has a 85.7% timely response rate to CFPB complaints.
What product generates the most complaints for Searay Portfolio Management?
The most complained-about product for Searay Portfolio Management is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Searay Portfolio Management?
Consumers most often cite "Communication tactics" when complaining about Searay Portfolio Management; the full issue list with counts is above.
How do I file a complaint against Searay Portfolio Management?
You can file a complaint against Searay Portfolio Management directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Searay Portfolio Management?
Searay Portfolio Management has drawn CFPB complaints from 12 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Searay Portfolio Management: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (20% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Searay Portfolio Management have?
21 complaints have been filed against Searay Portfolio Management with the CFPB overall - 0 of them in the past year.
Does Searay Portfolio Management respond to complaints on time?
Searay Portfolio Management has a 85.7% timely response rate to CFPB complaints.
What product generates the most complaints for Searay Portfolio Management?
The most complained-about product for Searay Portfolio Management is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Searay Portfolio Management?
Consumers most often cite "Communication tactics" when complaining about Searay Portfolio Management; the full issue list with counts is above.
How do I file a complaint against Searay Portfolio Management?
You can file a complaint against Searay Portfolio Management directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Searay Portfolio Management?
Searay Portfolio Management has drawn CFPB complaints from 12 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.