Central Portfolio Control

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 30 historical complaints about Central Portfolio Control, published between 2005 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

• Consumer ReportPublished Mar 15, 2013 · Historical consumer allegation
• Attemp to collect a non exiting debtPublished Nov 28, 2012 · Historical consumer allegation
• Dean Christian Letter is No Longer VaildPublished Oct 5, 2012 · Historical consumer allegation
• Customer ServicePublished Jul 26, 2012 · Historical consumer allegation
• Deceptive practicesPublished Jun 22, 2012 · Historical consumer allegation
• Zombie Debt - 20 yrs oldPublished Mar 20, 2012 · Historical consumer allegation
• Central portafolio control improper phone handling / agent was disrespectful - very unprofessionalPublished Jan 18, 2012 · Historical consumer allegation
• Very rudePublished Nov 29, 2011 · Historical consumer allegation
• HassmentPublished Feb 22, 2011 · Historical consumer allegation
• Bad collector, wish i could sue themPublished Jan 28, 2011 · Historical consumer allegation
• HarassmentPublished Jun 29, 2010 · Historical consumer allegation
• John B. Wow. Dont even know where to begin VERY RUDEPublished Mar 11, 2010 · Historical consumer allegation
• HarrassmentPublished Dec 15, 2009 · Historical consumer allegation
• 3yrs of Harrasment over wrong phone numbePublished Nov 16, 2009 · Historical consumer allegation
• Improper collection techniquesPublished Oct 8, 2009 · Historical consumer allegation
• Harrassing phone callsPublished Sep 15, 2009 · Historical consumer allegation
• Wrong Phone Number. Harassment. Collections Agency. Verbal AbusePublished Jun 29, 2009 · Historical consumer allegation
• Bulling company repPublished Jan 20, 2009 · Historical consumer allegation
• HarassmentPublished Jan 3, 2009 · Historical consumer allegation
• Do not pay any old debt to cpc (central portfolio control)Published Dec 31, 2008 · Historical consumer allegation

Complaint Themes

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts, Payment & Login

• Official website (cpcrecovery.com): https://cpcrecovery.com/
• Customer care and payments by phone (cpcrecovery.com): 800-834-2147
• Online payment portal: https://cpcrecovery.com/pay-now
• Look up my account (cpcrecovery.com): https://cpcrecovery.com/my-account/
• General customer email: [email protected]
• Compliance team (concerns and complaints): 888-351-0831
• Compliance team email: [email protected]
• Account options line listed on cpcoptions.com: 888-894-1220
• Toll-free number listed on older site cpcpayments.com: 800-406-0661
• Fax listed on cpcpayments.com: 952-400-4777
• Massachusetts disclosure number (calls 8 a.m.-8 p.m. CST): 800-280-1565 1 complaint mentions this number
• BBB-listed phone (Hopkins, MN profile): 952-941-5405
• Older payments/info site: https://cpcpayments.com/
• Account options and disclosures site: https://cpcoptions.com/
• Local number listed in the cpcrecovery.com footer: 952-215-0412
• Spanish-speaking team (cpcrecovery.com footer): 800-670-1201

Locations

Contacted by Central Portfolio Control? What to check before you pay or dispute

Central Portfolio Control, Inc. (CPC) collects accounts for creditor clients; it is not necessarily the company you originally dealt with. CPC's FAQ says: "Because of debt collection regulations, we cannot leave detailed voicemail messages. Call us during business hours so we can verify your identity and discuss options." CPC's own July 2026 guide to its collection letters says that "Receiving the notice does not, by itself, establish that the debt or the amount claimed is accurate" and, on paying: "Avoid making payments until you've confirmed the debt is accurate and legitimate."

Before you share anything. Do not give account, card, bank or Social Security numbers to a caller or sender until you have confirmed the collector is legitimate. The CFPB says: "Do not share your personal financial information unless you are sure the debt collector is legitimate." Use the phone number and address in your written notice, and compare them with the contact details on CPC's own site (listed in the company background section).

Step 1 - Read the validation notice. The CFPB says debt collectors generally must give you validation information in their first communication or within five days of it, by mail or electronically. It lists what the notice generally must include: a statement that the communication is from a debt collector; your name and address and the collector's; the creditor's name; the account number; an itemization of the current amount reflecting interest, fees, payments and credits since a particular date; the current amount; information you can use to reply if you believe the debt is not yours or the amount is wrong; and "an end date for a 30-day period when you can dispute the debt." The federal statute, 15 U.S.C. 1692g, likewise requires the written notice to state the amount of the debt, the name of the creditor, and that the debt will be assumed valid by the collector unless you dispute it within thirty days of receiving the notice.

Step 2 - Dispute or ask for information in writing, ideally inside the 30 days. The CFPB says that if you send the written verification request, or a request for the original creditor's name and address, within the 30-day period, "the debt collector must pause collecting the amount of the debt you are disputing until they've adequately responded." It suggests keeping a copy, sending the original by certified mail with a return receipt, and it publishes sample letters. CPC's guide says: "Consumers generally have 30 days after receiving validation information to dispute the debt." The 30 days is the period for invoking the federal collection pause; the CFPB also says that "even if more than 30 days pass, it's still a good idea to ask for what you need." The CFPB's sample letters include "I do not owe this debt.", "I need more information about this debt." and "I want to specify how the debt collector can contact me." (see its page "What should I do when a debt collector contacts me?"). On the CPC pages checked on 2026-09-30 there was no separate dispute form or dedicated dispute address; use the reply method printed on your own notice. CPC's sites list 10249 Yellow Circle Drive, Suite 200, Minnetonka, MN 55343 as the mailing address for payments and for records requests, plus [email protected] and [email protected].

Step 3 - Ask for records. The California section of CPC's disclosures page says you may request records showing: that CPC has the right to seek collection of the debt; the balance with an explanation of interest and fees; the date the debt became delinquent or the date of the last payment; the creditor's name and account number; the name and last known address of the debtor in the creditor's records before the debt was assigned; and the names of others to whom the debt has been assigned, plus a copy of the contract or other document evidencing your agreement to the debt. Requests go to the Minnetonka address. The page presents this in the California section; it does not say whether CPC applies it the same way in other states.

Step 4 - If the calls are about someone else. The CFPB says that once a collector receives your written request to stop contacting you, it may not communicate with you again except to say there will be no further contact or to advise that it or the creditor may take other actions such as a lawsuit, and that "Stopping communication with a debt collector doesn't make the debt go away." The CFPB also says you have the right to ask a collector to call at a more convenient time or place you specify, so stopping all contact is not the only option. CPC's cpcoptions.com site has a "Remove My Number" page that, as displayed on 2026-09-30, showed only "Call for more information 888-894-1220."

Step 5 - If you decide to pay. CPC lists these channels: its online portal at cpcrecovery.com/pay-now (the current payments page says "Online payments are posted to your account within 24 hours"); phone, 800-834-2147; mail, where the current payments page says "Send a check or money order to" the Minnetonka address (CPC's older cpcpayments.com FAQ adds "Please do not mail cash" and says mailed payments post within 48 hours after receipt); and Western Union with City Code CPCMN and State Code Minnesota, followed by a call with the Money Transfer Control Number. Get any settlement in writing, confirm how the account will be reported, and keep proof of payment; CPC's own guide gives the same advice. On sending proof of payment to a collector, the CFPB says to first make sure you are confident you are dealing with a legitimate debt collector; CPC publishes several different phone numbers across its sites (listed in the company background section), so compare the number on your letter with the company's website.

If you receive a summons. CPC's guide lists a summons, court complaint or legal filing notice and says: "Do not ignore it." It adds: "Failing to respond to legal documents can result in a default judgment."

Where to complain.

• CPC's compliance team: [email protected] or 888-351-0831 (per CPC's FAQ).
• The CFPB: consumerfinance.gov/complaint.
• The FTC: reportfraud.ftc.gov.
• The Minnesota Department of Commerce, which the Minnesota Attorney General's page describes as "the state agency that licenses debt collection agencies in Minnesota" ((651) 539-1500).
• Your own state attorney general or collection-agency regulator.

Regulator actions and license statements

Connecticut Department of Banking - Consent Order issued September 27, 2017. The order (In the Matter of Central Portfolio Control Inc, NMLS # 929038) recites that CPC "was licensed to act as a consumer collection agency in Connecticut from January 14, 2003 to September 30, 2015", that it applied for a new license through NMLS on January 23, 2017, and that CPC "represents that it believed it had renewed its license for the 2016 licensing period." The Banking Commissioner alleged that CPC "acted as a consumer collection agency in Connecticut without a consumer collection agency license, in violation of Section 36a-801(a)". CPC consented to the sanctions "without admitting or denying the allegation": a $5,000 civil penalty and an order to cease and desist from violating Section 36a-801(a). The order also states that "the Commissioner received no consumer complaints about Central Portfolio Control between January 1, 2016 and the date of this Consent Order" and that CPC represented it had maintained a surety bond throughout the period. The order says the matter was resolved and the Commissioner would not take further enforcement action on that allegation.

Minnesota Department of Commerce - Civil Penalty and Agreement, October 2013. Commerce's enforcement-actions database (CARDS, searched by respondent name "Central Portfolio" on 2026-09-30) lists CENTRAL PORTFOLIO CONTROL INC, Eden Prairie, MN, industry type Collections, signed date 10/29/2013, action type "Civil Penalty / Agreement", penalty 2000, with this allegation text: "Resp attempted to collect on payday loan debt when it should have known that the loans were written by unlicensed lenders in MN making them illegal loans, and collected amounts incidental to the debt which is not permitted by law." The scanned document is a letter dated October 25, 2013 (File No. 28269) addressed to CPC at 6640 Shady Oak Road, Suite 300, Eden Prairie. It says the Department "is taking action against Central Portfolio Control, Inc.'s collection agency license for attempting to collect on payday loan debt when it should have been known that the loans were written by unlicensed lenders in Minnesota and were illegal and void loans," cites Minn. Stat. 332.37 (12) (2012) and sections 1692e and 1692f of the Fair Debt Collection Practices Act, and states that by signing and paying the $2000 civil penalty the respondent agrees "that the violation as described occurred and you agree to resolve it in this manner," waives the right to a hearing, and acknowledges the right to legal counsel.

Minnesota Department of Commerce - Consent Order, 2004. The same database lists a second CPC entry: signed date 02/02/2004, action type "Censure/Consent", penalty 1500, allegation "Respondent used an unlicensed address on their dunning notices." The scanned order (Eden Prairie address, 250 Prairie Center Drive, Suite 125) recites the allegation that CPC "violated Minn. Stat. 332.33 Subd. 3 by using an unlicensed address on their dunning notices," and orders that CPC is censured, must cease and desist from further violations of Minn. Stat. ch. 332 (2002), and must pay a civil penalty of $1,500. The Consent to Entry of Order is signed on behalf of CPC. Both Minnesota documents are older than the current CFPB and BBB records on this page, and the database does not show later Minnesota actions under that name.

Other actions - scope of the check. The CFPB enforcement-actions page filtered on "Central Portfolio" returned no results on 2026-09-30. Beyond the Connecticut and Minnesota actions described above, no other consent order, cease-and-desist or attorney-general action against CPC was identified in the sources checked that day (the CFPB enforcement-actions page, the Minnesota Commerce enforcement database and the Connecticut Department of Banking order); the registers of other states were not searched. Several state license lookups are JavaScript applications that could not be searched here (NMLS Consumer Access and Minnesota Commerce presented bot checks, which were not bypassed; the California DFPI lookup was not completed), so this is not a complete regulator search.

License statements on CPC's disclosures page (dated April 23, 2026). These are CPC's own statements and were not independently confirmed on the state registers:

• California: licensed by the Department of Financial Protection and Innovation, license number #10769-99.
• Maryland: licensed by the Office of the Commissioner of Financial Regulation, license number 929038.
• Minnesota: "licensed by the Minnesota Department of Commerce" (no number given).
• Nevada: NMLS #929038. The same NMLS ID appears in the Connecticut order.
• New York City: licensed by the Department of Consumer Affairs, license number 1136583.
• North Carolina: Department of Insurance company number 119500435.

State roster entry. Nebraska's Secretary of State publishes an "Active Collection Agency Licensees" roster (the PDF file on its site is named 20260709_Collection Agency Roster.pdf and is headed "All licenses expire 12/31/2026"). As opened on 2026-09-30 it lists license number 1721, Central Portfolio Control Inc, Minnetonka, MN. This is a state roster entry rather than a CPC statement.

Check the current status of any license with the issuing state regulator.

Company background, sites and phone numbers

Central Portfolio Control, Inc. is a Minnesota corporation (Connecticut's order and the Ninth Circuit's caption both describe it that way). Its BBB profile (Hopkins, MN listing) shows business start and incorporation dates of November 2, 1998 and lists the type of entity as Corporation; the company says it was "Founded in 1998". The company's address is 10249 Yellow Circle Drive, Suite 200, Minnetonka, MN 55343 (BBB lists the same street address under Hopkins, MN). Older complaints on this site, from 2005 to 2013, give Eden Prairie, Minnesota addresses (6640 Shady Oak Road and 250 Prairie Center Drive). CPC says it also has offices in Clearwater and Nashville. The BBB profile lists Mark Hedge as owner, Eric Swenson as vice president of operations and Troy Marquis as compliance director, and 63 employees, as displayed on 2026-09-30.

Who CPC collects for. CPC's services pages say it handles consumer, medical, commercial, subrogation and government accounts and works with healthcare providers, insurers, businesses and financial institutions, and public agencies. No named private creditor clients are listed on the pages checked, so the creditor on your notice is the source for who the account belongs to. CPC's government-collections page states "Department of Education Subcontractor" with "Contract Number: EDFSA1400015" as past performance, and its FAQ says CPC "has served as a subcontractor to the U.S. Department of Education" under that contract number (company statements, not independently verified). CPC also says it is a member of ACA International and, per a 2022 company article, RMAI.

Company websites and phone numbers. CPC operates several sites, and they list different numbers. As displayed on 2026-09-30:

• cpcrecovery.com (main site): 800-834-2147 for payments and account help; the site footer also lists a local number, (952) 215-0412, and a Spanish-speaking line, 1-800-670-1201; compliance 888-351-0831; hours Monday-Friday 8:00am-8:00pm CST and Saturday 9:00am-12:00pm CST.
• cpcoptions.com (account options and disclosures, copyright 2026): 888-894-1220; hours Monday-Thursday 7am-8pm CST, Friday 7am-4pm, Saturday 9am-12pm.
• cpcpayments.com (older payments site, copyright 2022): 800-406-0661 with the same hours as cpcoptions.com, and fax 952-400-4777.
• The Massachusetts notice on the disclosures page gives (800) 280-1565; the BBB profile lists (952) 941-5405.

These pages do not say which number goes with which account, so use the contact details on your own letter and compare them with the company's site.

Complaint record: CFPB, BBB, ComplaintsBoard, Trustpilot and USAComplaints, reported separately

Counts below are snapshots as displayed on 2026-09-30, from different sources with different rules; they are not added together or averaged.

• CFPB Consumer Complaint Database (company name "Central Portfolio Control Inc."): 3,353 complaints received from December 9, 2013 to September 29, 2026. Products: debt collection 2,751; credit reporting 489 (plus 79 under the database's other credit-reporting product label); student loan 8. Top issues across all years: attempts to collect debt not owed (1,152), written notification about debt (494), took or threatened to take negative or legal action (434), incorrect information on your report (307), false statements or representation (289). The CFPB lists the company response as "Closed with explanation" for 3,352 and "Closed" for 1, and a timely response for 3,349 ("No" for 4). Yearly counts by date received: 2022, 140; 2023, 231; 2024, 360; 2025, 1,172; 2026 through September 30, 1,155. In the last 12 months (since 2025-09-30) there were 1,513, of which 1,264 were listed under debt collection; the states with the most were Texas (383), Florida (205), Georgia (116), South Carolina (91), Arizona (57) and Louisiana (52). The 100 most recent records returned no public consumer narrative text. The CFPB publishes complaints without verifying the facts alleged.
• BBB (profile for Central Portfolio Control, Inc, Hopkins, MN): BBB Accredited (accreditation date April 9, 2020 in BBB's data), rating B; "290 total complaints in the last 3 years. 59 complaints closed in the last 12 months"; "1.84 /5 stars Average of 49 Customer Reviews." CPC's own pages state that it is accredited by the Better Business Bureau.
• ComplaintsBoard (page updated April 18, 2026): 1 review and 8 complaints, shown as an overall 2.3 rating.
• Trustpilot (cpcrecovery.com): claimed profile (November 2024), 0 reviews.
• CPC's own homepage embeds a review carousel headed "Central Portfolio Control 4.8" with mostly positive comments about named representatives and a few critical ones, such as a reviewer who says a portal login problem delayed a paid-in-full letter. The page does not name the review site behind the widget, so it is not counted with the sources above.
• USAComplaints.com: 30 approved posts about CPC, dated October 2005 to March 2013, all linked to this page. They are older than the current CFPB and BBB records and mostly give Eden Prairie addresses, so they say little about current practices.

Themes in those 30 posts (a post can appear in more than one): calls to relatives, ex-spouses, co-workers or the holders of reassigned phone numbers about someone else's debt (18 posts); a rude, sarcastic or hostile tone alleged (17); a debt disputed as not owed, too old or unverified (7); the caller not identifying the company or purpose (7); threats of jail, court or a lawsuit alleged (3); and problems with payment-plan handling (2). One 2012 post describes the representative as pleasant and not threatening and says the writer confirmed the debt was owed, but complains that a payment was drawn from the writer's bank account on the wrong date, causing an overdraft fee. These are consumer allegations, not findings; CPC's stated position is on its FAQ and compliance pages, where it says "We follow strict federal and state laws" and invites concerns to its compliance team.

Lawsuits naming Central Portfolio Control

CourtListener lists many federal court dockets naming CPC as a defendant. A CourtListener (RECAP archive) search of case names containing "Central Portfolio Control" returned 253 dockets on 2026-09-30. Among the 200 most recent, dockets with "-cv-" numbers were filed as follows: 6 in 2022, 8 in 2023, 15 in 2024, 10 in 2025 and 15 in 2026 through September 17. The archive does not include every filing, some entries are duplicate administrative dockets, and where CourtListener lists a cause it is mostly the Fair Debt Collection Practices Act (FDCPA) or Fair Credit Reporting Act (FCRA). A lawsuit filed against a company is an allegation, not a finding. The cases below are examples with documented steps:

• Riffe v. Central Portfolio Control (S.D. Tex., filed September 17, 2026): newest case found; only the complaint, a summons request and a clerk's notice appear.
• Riser v. Central Portfolio Control (W.D. Wash., 2021-2025): the district court granted CPC summary judgment in June 2023; the Ninth Circuit vacated that ruling in November 2024; the case ended by dismissal with prejudice in January 2025 after a notice of settlement, terms not on the docket.
• Norton v. Central Portfolio Control (E.D. Wis., 2018): a proposed FDCPA class action that the plaintiff voluntarily dismissed after a notice of settlement in principle.
• Baez v. Central Portfolio Control (M.D. Fla., 2018-2019): a telephone-equipment case dismissed with prejudice as to CPC on a stipulation.

CPC's FAQ says: "Like many companies in the receivables industry, CPC's name may appear in legal filings. This does not mean we acted improperly." The full entries are in the court case list on this page.

Is Central Portfolio Control Legitimate?

Central Portfolio Control, Inc. is a Minnesota corporation whose BBB profile shows incorporation on November 2, 1998, BBB accreditation dated April 9, 2020 and a B rating, and which lists collection-agency licenses in California, Maryland, Minnesota, New York City and other jurisdictions in its own disclosures (those statements were not independently confirmed here; Nebraska's own active collection-agency roster lists CPC under license number 1721). Connecticut's Department of Banking record shows a 2017 consent order in which the Commissioner alleged that CPC acted as a collection agency in that state without a Connecticut license: a $5,000 penalty, entered without CPC admitting or denying the allegation. Minnesota's Department of Commerce enforcement database lists a 2013 civil penalty and agreement ($2,000; payday-loan debt the document describes as written by unlicensed lenders) and a 2004 consent order ($1,500; an unlicensed address on dunning notices), both described in the regulator actions section. The complaint record above (CFPB, BBB, ComplaintsBoard and this site's older posts) and the federal court cases are consumer or plaintiff allegations, and CPC's stated position is that it is a licensed agency that follows federal and state law. This page assigns CPC no rating and no label; the validation information and any verification CPC provides supply information for evaluating a claim; they are not an adjudication that a debt is legally owed, and a disputed debt can also be contested with the creditor or in court. A practical first check is the validation notice: match the creditor, amount and account against your own records, and do so inside the 30-day period if you want the federal collection pause.

Court & Public Records

Frequently Asked Questions