CFPB Consumer Complaint Profile
V and H Portfolio
Consumers have filed 2,976 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
- 2,976
- Total complaints
- Among the highest
- 1,201
- Last 12 months
- 99.1%
- Timely response
- Above median
- 51
- States affected
The verdict
2,976 CFPB complaints put V and H Portfolio at #156 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 99.1%, the 62nd percentile among companies with 100+ complaints.
- #156
- of 3,843 companies by volume
- 99.1%
- on time (62nd pctile)
- Debt collection
- most-complained product
- 51
- states with complaints
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.
V and H Portfolio vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.1% Higher than most higher than 62% 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 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 593 in 2024 to 1,056 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2016 | 11 |
| 2017 | 20 |
| 2018 | 16 |
| 2019 | 44 |
| 2020 | 109 |
| 2021 | 220 |
| 2022 | 159 |
| 2023 | 348 |
| 2024 | 593 |
| 2025 | 1,056 |
| 2026year in progress | 400 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for V and H Portfolio
The CFPB Consumer Complaint Database has logged 2,976 complaints against V and H Portfolio overall, with 1,201 of those filed in the trailing 12 months. Reports have come from consumers in 51 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
V and H Portfolio's timely response rate stands at 99.1%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 12.5% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 15.5% closed with some form of monetary or non-monetary relief to the consumer.
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 V and H Portfolio have?
2,976 complaints have been filed against V and H Portfolio with the CFPB overall - 1,201 of them in the past year.
Does V and H Portfolio respond to complaints on time?
V and H Portfolio's CFPB timely-response rate is 99.1%. This is considered excellent.
What product generates the most complaints for V and H Portfolio?
Among all products tied to V and H Portfolio, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with V and H Portfolio?
The most common issue reported by consumers about V and H Portfolio is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.
How do I file a complaint against V and H Portfolio?
You can file a complaint against V and H Portfolio 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 V and H Portfolio?
The CFPB has recorded complaints against V and H Portfolio from 51 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for V and H Portfolio: 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 complaint volume
Nearest companies by total CFPB complaint count (2,976 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (12.5% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.