Independent profile. Not owned, sponsored or endorsed by Central Portfolio Control.

Central Portfolio Control Reviews, Complaints & Contacts

Central Portfolio Control, Inc. (CPC) is a Minnesota third-party debt collection agency at 10249 Yellow Circle Drive, Suite 200, Minnetonka; the company says it was founded in 1998 and collects consumer, medical, commercial, subrogation and government accounts for creditor clients. A person contacted about a debt is generally entitled to written validation information, and a written dispute sent within the 30-day period stated on the notice requires the collector to pause collecting the disputed amount until it responds (a dispute or request for information can still be made afterward). Below: how to check the notice, dispute, request records or pay, CPC's contact channels, and the public record, which includes a 2017 Connecticut consent order (a $5,000 penalty, entered without CPC admitting or denying the allegation), Minnesota Department of Commerce actions signed in 2004 and 2013, CFPB complaints and federal lawsuits naming CPC. Complaints and lawsuits are allegations, not findings.

REVIEWS & COMPLAINTS27on USAComplaints · none in last 3 yrs · latest 2013
WEBSITEcpcrecovery.com
HEADQUARTERSMinnetonka, MN
PROFILE CHECKED2026-11-06
Submit a Complaint Read reviews & complaints ↓ Official website ↗

Contacts, Payment & Login

PhoneEmailAddress

Customer service & general contact

  • VerifiedCustomer care and phone payments, Mon-Fri 8 a.m.-8 p.m., Sat 9 a.m.-noon Central time800-834-2147
  • VerifiedGeneral customer email[email protected]

Cancel, billing & returns

Show all 17 contacts

Account & login

Fax & written correspondence

  • VerifiedFax952-400-4777

Reference numbers (not support lines)

Other contacts

Previously listed (not confirmed current)

  • Listed by BBBMain phone on the BBB profile, not listed on CPC's own sites952-941-5405
VERIFIED

Locations

  • Headquarters10249 Yellow Circle Drive, Suite 200 Minnetonka MN 55343
  • Branch office49 Winter Street Weymouth MA 02188
EDITORIAL

Is Central Portfolio Control Legitimate?

BBB, CFPB, ComplaintsBoard

Legal name
Central Portfolio Control, Inc.
Founded
1998
Business type
Third-party debt collection agency (consumer, medical, commercial, subrogation and government accounts) based in Minnetonka, Minnesota
Website
cpcrecovery.comSource: Company website, checked 2026-10-27
Headquarters
Minnetonka, MNSource: cpcrecovery.com contact, payments and disclosures pages, checked 2026-10-27

Central Portfolio Control (CPC) is a third-party debt collection agency based in Minnetonka, Minnesota. It is a Minnesota corporation incorporated on November 2, 1998, BBB Accredited since April 9, 2020 with a B rating, and its disclosures list collection-agency licenses from California, Maryland, Minnesota and New York City and an NMLS number used in Nevada. Nebraska's Secretary of State lists CPC on its roster of active collection agency licensees under license number 1721. Its regulatory history includes a 2017 Connecticut consent order over collecting in that state while its license had lapsed ($5,000 penalty, without CPC admitting or denying the allegation) and two Minnesota Department of Commerce actions, a 2004 consent order ($1,500, an unlicensed address on collection letters) and a 2013 civil penalty and agreement ($2,000, collecting payday-loan debts made by lenders unlicensed in Minnesota); details are in the regulator actions section.

A licensed collector can still be collecting a debt you do not owe, or the wrong amount. CPC's own guide says a notice "does not, by itself, establish that the debt or the amount claimed is accurate." Impostors sometimes use the names of real collection agencies, so before you pay: confirm the call or letter through a number on cpcrecovery.com, check that the written validation notice names a creditor and account you recognize and an amount that matches your records, and send any dispute in writing before the end date shown on the notice. The CFPB and BBB complaints and the lawsuits described on this page are allegations; CPC says it follows federal and state collection laws.

EXTERNAL SOURCE

Independent Sources

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

BBBComplaints in the last 3 years, BBB Accredited since April 2020
50 reviews · 284 complaints · BBB business grade B · average customer rating 1.82 / 5
CFPBComplaints received since December 2013, 1,538 of them in the last 12 months
3,460 complaints
ComplaintsBoard1 review and 8 complaints, all time
1 review · 8 reports · average customer rating 2.3 / 5
TrustpilotProfile claimed by the company in November 2024, no reviews yet
0 reviews
EDITORIAL

Complaint Themes

Calls to relatives, ex-spouses, co-workers or reassigned-number holdersRude, sarcastic or hostile tone allegedDebt disputed as not owed, too old or unverifiedCaller did not identify the company or purpose, or declined to give company detailsThreats of jail, court or a lawsuit allegedPayment-plan handling problems alleged

Themes summarize what people write about most often. One complaint can touch several themes, and some complaints (a positive report, or one later retracted by its author) fit none, so themes are not a count of complaints.

CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 27 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 on this page.

Show 15 more on this page
EDITORIAL

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

Each source on this page counts complaints under its own rules, so the figures are reported separately and are not added together or averaged.

  • CFPB Consumer Complaint Database, company name "Central Portfolio Control Inc.": 3,460 complaints received since December 9, 2013, including 1,538 in the last 12 months. By product, 2,840 are filed under debt collection and 585 under credit reporting. The most common issues are attempts to collect a debt not owed (1,179), written notification about the debt (515), taking or threatening negative or legal action (456), incorrect information on a credit report (318) and false statements or representation (298). Complaints received by year: 360 in 2024, 1,172 in 2025 and 1,262 in 2026 to date. CPC's response is listed as "Closed with explanation" in all but one case, and as timely in all but four. The CFPB publishes complaints without verifying the facts alleged, and a response category describes the type of reply, not a finding.
  • BBB, Hopkins, MN profile: BBB Accredited since April 9, 2020, rating B; 284 complaints in the last 3 years, 48 of them in the last 12 months; customer reviews average 1.82 out of 5 from 50 reviews. BBB asks readers to weigh complaint numbers against a company's size and volume of transactions.
  • ComplaintsBoard: 1 review and 8 complaints, shown as an overall 2.3 rating.
  • Trustpilot, cpcrecovery.com: the company claimed the profile in November 2024; it has no reviews.
  • CPC's homepage shows a review widget headed "Central Portfolio Control 4.8", mostly praise for named representatives. It does not show the full set of reviews behind that figure, so it is not compared with the sources on this page.
  • USAComplaints.com: 27 published complaint reports are linked to this profile. They date from October 2005 to March 2013 and mostly give the company's former Eden Prairie addresses, so they describe practices of that period rather than today's.

Common themes in those reports: calls to relatives, ex-spouses, co-workers or people who had taken over a phone number; a rude, sarcastic or hostile tone; debts disputed as not owed, too old or unverified; callers who did not identify the company or the purpose of the call; alleged threats of jail, court or a lawsuit; and problems with payment plans and bank drafts. One 2012 report describes a pleasant representative and a debt the writer agreed was owed, but says a payment was drafted on the wrong date and caused an overdraft fee. These are consumer allegations, not findings. CPC's FAQ says it follows "strict federal and state laws" and asks consumers with concerns to contact its compliance team.

Had an experience with Central Portfolio Control? Tell other people what happened.

Submit a Complaint
EDITORIAL

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.

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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."

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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 a written notice, either as their first communication or within five days of it. 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 as proof that the collector received it, and it publishes sample letters. CPC's guide says: "Consumers generally have 30 days after receiving validation information to dispute the debt."

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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?"). CPC does not publish a separate dispute address, so use the reply method printed on your notice; CPC's own mailing address, used for payments and records requests, is 10249 Yellow Circle Drive, Suite 200, Minnetonka, MN 55343, and its email addresses are [email protected] and [email protected]. Put your name, the account or reference number from the notice, which part of the debt you dispute, and what you want CPC to send you.

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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. If CPC is calling you about someone else, say so in writing, give the phone number being called, and ask CPC to stop calling it; CPC's cpcoptions.com site has a "Remove My Number" link, and the line listed there is 888-894-1220.

Step 5 - If the debt is old, check the time limit before you pay. The CFPB says most states set a statute of limitations of three to six years for suing over a debt, that a collector may not sue or threaten to sue on a time-barred debt, and that making a partial payment or acknowledging an old debt, even after the limit has run, may restart the time period. CPC's own guide lists "Is the debt time-barred under state law?" among the questions to ask, and its disclosures for Nevada residents warn that paying or agreeing to pay a medical debt may be treated as acknowledging the debt and waiving the statute of limitations. If the account is several years old, find out your state's limit, or ask a lawyer or legal aid office, before you pay anything or agree to pay. If you are sued on an old debt, the CFPB notes it is up to you to raise the time limit as a defense in court.

Step 6 - 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. Before sending money by any channel, and especially by Western Union, confirm that you are dealing with CPC by calling a number on cpcrecovery.com. 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. Start with the company, keep copies of what you send, and escalate if the problem is not fixed:

  • CPC's compliance team: [email protected] or 888-351-0831.
  • The Consumer Financial Protection Bureau, which supervises debt collectors and forwards complaints to the company for a response: consumerfinance.gov/complaint.
  • The Federal Trade Commission, which enforces the FDCPA: ReportFraud.ftc.gov.
  • The Minnesota Department of Commerce, which licenses collection agencies in Minnesota, where CPC is based: complaints line 651-539-1600.
  • Your own state attorney general or the agency that licenses collectors in your state.
  • The BBB, which forwards complaints to the business: bbb.org.
EDITORIAL

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 states that on its issuance "this matter will be resolved and the Commissioner will not take any future enforcement action against Central Portfolio Control based upon the allegation set forth herein", while reserving the Commissioner's right to act if the order's terms are not observed or if a representation CPC made in it later proves untrue.

Minnesota Department of Commerce - Civil Penalty and Agreement, October 2013. Commerce's enforcement-actions database 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.

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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.

Federal regulators. The CFPB's list of public enforcement actions contains no action against Central Portfolio Control.

License statements on CPC's disclosures page. These are the company's own statements:

  • 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 that appears in the Connecticut order.
  • New York City: licensed by the Department of Consumer Affairs, now the Department of Consumer and Worker Protection, license number 1136583.
  • North Carolina: Department of Insurance company number 119500435.

State roster entry. Nebraska's Secretary of State lists Central Portfolio Control Inc, Minnetonka, MN, under license number 1721 on its roster of active collection agency licensees, where all licenses expire December 31, 2026.

To check whether a license is current, search the company name or NMLS ID 929038 on NMLS Consumer Access (nmlsconsumeraccess.org) or ask the regulator in your state. In Minnesota, collection agencies must be licensed by the Department of Commerce, which takes complaints at 651-539-1600.

EDITORIAL

Lawsuits naming Central Portfolio Control

Court records

CourtListener lists more than 250 federal court dockets with Central Portfolio Control in the case name. Most are individual consumer cases; where CourtListener lists a cause, it is usually the Fair Debt Collection Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA). New cases are filed every year, with at least 15 in 2026. A lawsuit is an allegation, not a finding, and many such cases end in a private settlement whose terms are not filed with the court. Cases with notable steps:

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  • Riffe v. Central Portfolio Control (S.D. Tex., filed September 17, 2026): an FDCPA case at an early stage; a summons was issued to CPC on September 22, 2026, and an initial pretrial and scheduling conference is set for December 15, 2026.
  • Burns v. Central Portfolio Control, Inc. (E.D. Cal., filed March 3, 2026): notices of settlement on July 6 and 7, 2026 and a notice of voluntary dismissal on August 21, 2026; whether the dismissal was with or without prejudice is not shown.
  • Riser v. Central Portfolio Control (W.D. Wash., 2021-2025): a consumer sued over a $2,790.37 hospital debt. The district court granted CPC summary judgment in June 2023; on November 7, 2024 the Ninth Circuit, in an unpublished memorandum, vacated that ruling, holding that factual questions remained about whether she personally owed the debt. CPC had argued that the hospital could bill her directly because she did not provide accurate information to process her insurance claim; the court found the record unclear on who was at fault for that. The case was dismissed with prejudice in January 2025 after a notice of settlement; the terms are 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; no class was certified.
  • Baez v. Central Portfolio Control (M.D. Fla., 2018-2019): a Telephone Consumer Protection Act case dismissed with prejudice as to CPC on the parties' stipulation, each side bearing its own fees and costs.

Other 2026 dockets on CourtListener. Reese v. Central Portfolio Control, Inc. et al. (S.D. Fla. 1:26-cv-25932, filed August 28, 2026; answers to the complaint were filed in September); Fabrizio (E.D. Cal. 2:26-cv-02883, August 25); Dickson (D. Minn. 0:26-cv-03611, August 13); Robinson (D. Minn. 0:26-cv-03281, filed July 13; on July 22, 2026 the court entered an order dismissing the case as frivolous and a judgment the same day); Norman (D. Minn. 0:26-cv-03108, June 26); Hyatt (D. Ariz. 2:26-cv-04206, June 15); Steinberg (E.D.N.Y. 1:26-cv-03149, May 26); Smith (S.D. Ind. 1:26-cv-00935, May 8); Solano (E.D. Wash. 1:26-cv-03079, April 30); Harris (S.D. Ga. 5:26-cv-00597, April 29); Reed (N.D. Ill. 1:26-cv-03988, April 9); Stokes (N.D. Ga. 1:26-cv-01028, February 23); Omar (E.D. Cal. 2:26-cv-00481, February 17). The docket summaries for these cases do not state the specific claims.

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." If you are sued by or about a debt CPC is collecting, respond by the deadline on the summons: CPC's own guide warns that failing to respond can result in a default judgment. A consumer who believes a collector broke the FDCPA can sue in federal or state court within one year of the violation; the law allows actual damages, additional damages of up to $1,000 in an individual case, and, if the suit succeeds, court costs and reasonable attorney's fees.

PUBLIC RECORD

Court & Public Records

Riffe v. Central Portfolio Control

Filed

U.S. District Court, S.D. Tex.Docket 4:26-cv-07892Source ↗

Filed — no final outcome recorded

The case is at an early stage, and no ruling on the merits has been made.

Case details: Riffe v. Central Portfolio ControlShow less

A complaint was filed on September 17, 2026. CourtListener lists the cause as the Fair Debt Collection Practices Act and the nature of suit as Consumer Credit. The docket shows a summons issued as to CPC on September 22, 2026 and an order of the same date setting an initial pretrial and scheduling conference for December 15, 2026, by video. The docket summaries do not state the plaintiff's specific allegations.

Burns v. Central Portfolio Control, Inc.

Filed

U.S. District Court, E.D. Cal.Docket 1:26-cv-01754Source ↗

Filed — no final outcome recorded

The text of those orders, whether the dismissal was with or without prejudice, and the settlement terms are not shown on CourtListener.

Case details: Burns v. Central Portfolio Control, Inc.Show less

A complaint was filed on March 3, 2026; the CourtListener docket summaries do not state the claims. The docket shows a waiver of service executed on May 1, 2026, an answer to the complaint on June 5, notices of settlement on July 6 and July 7, a notice of voluntary dismissal on August 21, and minute orders on August 24 and August 28, 2026, the latter titled "Minute Order AND Order on Motion for Miscellaneous Relief".

Riser v. Central Portfolio Control, Inc.

Dismissed

U.S. District Court, W.D. Wash.Docket 3:21-cv-05238Source ↗

Dismissed

The settlement terms are not on the docket.

Case details: Riser v. Central Portfolio Control, Inc.Show less

Removed to federal court in April 2021; CourtListener lists the cause as a removal petition involving the Fair Credit Reporting Act. According to the Ninth Circuit, the plaintiff sued CPC under the FDCPA, the Washington Consumer Protection Act and the tort of outrage over a $2,790.37 hospital debt, and sued Trans Union under the FCRA. On June 27, 2023 the district court granted CPC's motion for summary judgment. On November 7, 2024 the Ninth Circuit, in a memorandum marked not for publication, affirmed the judgment on the pleadings for Trans Union, but wrote "We VACATE and REMAND" as to the summary judgment for CPC, adding that "factual questions remain regarding whether Riser personally owed a debt to the hospital." On remand the parties stipulated to dismiss the state-law claims (December 19, 2024) and filed a notice of settlement (December 26, 2024); on January 31, 2025 the court dismissed the action with prejudice, each party to bear its own costs and fees.

Norton v. Central Portfolio Control, Inc., Absolute Resolutions Corporation and Absolute Resolutions Investments LLC

Dismissed

U.S. District Court, E.D. Wis.Docket 2:18-cv-00787Source ↗

Dismissed

No class was certified and the settlement terms are not on the docket.

Case details: Norton v. Central Portfolio Control, Inc., Absolute Resolutions Corporation and Absolute Resolutions Investments LLCShow less

A proposed class action over alleged Fair Debt Collection Practices Act violations (CourtListener lists the cause as 15 U.S.C. 1692). A motion for class certification was filed with the complaint and, on May 29, 2018, the court stayed proceedings and terminated the motion for administrative purposes. On August 6, 2018 the plaintiff filed a notice of settlement in principle, and on August 23, 2018 a notice of voluntary dismissal; the case was terminated on August 24, 2018.

Baez v. Central Portfolio Control, Inc. and Security Credit Services, LLC

Dismissed

U.S. District Court, M.D. Fla.Docket 8:18-cv-00754Source ↗

Dismissed

The claims against the co-defendant Security Credit Services, LLC were separately dismissed on July 1, 2019 without prejudice and with leave to reopen after a notice of settlement; on August 6, 2019 the court, on that co-defendant's stipulation, dismissed the action with prejudice as to it and directed the Clerk to close the case.

Case details: Baez v. Central Portfolio Control, Inc. and Security Credit Services, LLCShow less

CourtListener lists the cause as "Restrictions on Use of Telephone Equipment" under 47 U.S.C. 227, the Telephone Consumer Protection Act; the docket summaries do not state the specific allegations. On July 1, 2019 the court, on the plaintiff's and CPC's stipulation, dismissed the action "with prejudice as to Central Portfolio Control, Inc., only, with each party to bear their respective fees and costs."

EDITORIAL

Company background, sites and phone numbers

Central Portfolio Control, Inc. is a Minnesota corporation, as both Connecticut's 2017 consent order and the Ninth Circuit's caption in Riser describe it. Its BBB profile gives November 2, 1998 as the date the business started and was incorporated, and the company says it was founded in 1998. Its headquarters are at 10249 Yellow Circle Drive, Suite 200, Minnetonka, MN 55343; BBB lists the same street address under Hopkins, MN, which shares the 55343 ZIP code. Minnesota regulator documents from 2004 and 2013 and the older complaints on this site give earlier Eden Prairie, Minnesota addresses (250 Prairie Center Drive and 6640 Shady Oak Road). CPC says it also has offices in Clearwater and Nashville, and its disclosures page gives a Massachusetts resident office at 49 Winter Street, Weymouth, MA 02188. The BBB profile lists Mark Hedge as owner, Eric Swenson as vice president of operations and Troy Marquis as compliance director, and 63 employees.

Who CPC collects for. CPC says it handles consumer, medical, commercial, subrogation and government accounts for healthcare providers, insurers, businesses, financial institutions and public agencies. It does not name its creditor clients, so the creditor named on your notice is the starting point for whose account it is. CPC's FAQ says it "has served as a subcontractor to the U.S. Department of Education under Contract Number EDFSA1400015"; this is the company's own statement. CPC says it is accredited by the BBB and is a member of ACA International, the Receivables Management Association International (RMAI), the Healthcare Financial Management Association and the American Association of Healthcare Administrative Management.

More company historyShow less

Company websites and phone numbers. CPC runs several sites, and they list different numbers:

  • cpcrecovery.com, the main site: 800-834-2147 for payments and account help, a local number, 952-215-0412, a Spanish-speaking line, 800-670-1201, and the compliance team at 888-351-0831. Hours are Monday to Friday 8 a.m. to 8 p.m. and Saturday 9 a.m. to noon, Central time.
  • cpcoptions.com, an account-options and disclosures site: 888-894-1220 in its header, and on its contact page 800-834-2147, 952-215-0412 and fax 952-400-4777, with hours Monday to Thursday 7 a.m. to 8 p.m., Friday 7 a.m. to 4 p.m. and Saturday 9 a.m. to noon, Central time. CPC's "We Care About Our Consumers" page on cpcrecovery.com also gives 888-894-1220 for account questions.
  • cpcpayments.com, an older payments site: 800-406-0661 and fax 952-400-4777, with the same hours as cpcoptions.com.
  • The Massachusetts notice on CPC's disclosures page gives 800-280-1565 for calls between 8 a.m. and 8 p.m. Central time; the Weymouth office keeps hours of 9 to 5, Monday to Thursday.
  • Text messages: CPC's page of verified numbers on cpcrecovery.com lists the SMS short code 90301 and three voice-callback numbers used with its text messages, 888-894-1196, 888-894-1220 and 888-456-3188, alongside 800-834-2147 and 952-215-0412.
  • BBB lists 952-941-5405 as the main phone and 800-280-1565 as another phone; 952-941-5405 does not appear on CPC's own sites.

CPC's contact page warns that third-party sites may publish outdated numbers. To confirm a call or letter is really from CPC, call a number from your own written notice or from cpcrecovery.com rather than one given in a voicemail or text.

EDITORIAL

Frequently Asked Questions

Why is Central Portfolio Control calling me?

CPC's FAQ says: "We may be trying to reach you about an outstanding account," and that because of debt collection regulations it cannot leave detailed voicemail messages; it asks you to call during business hours so it can verify your identity. A call or letter does not by itself show that the debt is yours or that the amount is right: CPC's own guide says the notice "does not, by itself, establish that the debt or the amount claimed is accurate." Do not share personal financial information until you are sure the collector is legitimate (the CFPB's advice). Ask for the validation notice, compare the creditor and amount with your records, and call back on the number printed on your letter or on the company's website (800-834-2147 on cpcrecovery.com).

What is Central Portfolio Control?

Central Portfolio Control (CPC) is a debt collection agency headquartered in Minnetonka, Minnesota. Its website says it was founded in 1998 and works with creditors nationwide. It collects accounts for creditor clients, so it is not necessarily the company you originally dealt with. Its official website and phone numbers are listed in the Contacts block.

How long do I have to dispute a debt with Central Portfolio Control?

The CFPB says that once you receive the debt validation information you have 30 days to dispute the debt in writing, and the validation notice should state the end date of that period. If you send a written dispute or a request for the original creditor's name and address within the 30 days, the collector must pause collecting the disputed amount until it has responded. The CFPB also says that even if more than 30 days pass, "it's still a good idea to ask for what you need." It warns that failing to request verification in writing or within this time period can affect your ability to assert your rights under the debt collection rule.

Where do I send a dispute to Central Portfolio Control?

Use the reply method printed on your validation notice; CPC does not publish a separate dispute address. Its mailing address is 10249 Yellow Circle Drive, Suite 200, Minnetonka, MN 55343. Send the dispute before the end date on your notice, keep a copy, and use certified mail with a return receipt, as the CFPB suggests.

How do I pay Central Portfolio Control?

CPC's payments page lists four channels: the online portal at cpcrecovery.com/pay-now, phone at 800-834-2147, a check or money order mailed to 10249 Yellow Circle Drive, Suite 200, Minnetonka, MN 55343, and Western Union (City Code CPCMN, State Code Minnesota). Before paying, confirm the account and amount against your validation notice, and if the debt is several years old check your state's statute of limitations: the CFPB says a partial payment or acknowledging an old debt may restart the time period. Get settlement terms in writing and keep proof of payment.

Will Central Portfolio Control remove the collection from my credit report if I pay?

CPC states that if it is reporting an account and you pay it in full or resolve it for less than the full balance, it "will request deletion of its tradeline from the credit reporting agencies, approximately 30 days after the final payment is posted." This is a company policy statement about a request to the credit bureaus, and it applies only if CPC reported the account. Check your credit reports after payment and ask for a paid-in-full or settlement letter in writing.

What can I do if Central Portfolio Control keeps calling about someone else?

Tell CPC in writing that you are not the person it is looking for, give the phone number it is calling, and ask it to stop. The CFPB says that once a collector receives a written request to stop contacting you, it may contact you only to confirm there will be no further contact or to say that it or the creditor may take another legal step, such as a lawsuit. If the debt is yours, stopping contact does not make it go away, and the CFPB notes you can instead ask a collector to call only at a time or place you choose. Keep a log of the dates and times of the calls; if they continue, complain to CPC's compliance team (888-351-0831), the CFPB, the FTC or your state attorney general.

Where can I file a complaint about Central Portfolio Control?

Start with CPC's compliance team at [email protected] or 888-351-0831. Outside the company: the CFPB (consumerfinance.gov/complaint), the FTC (ReportFraud.ftc.gov), the Minnesota Department of Commerce (651-539-1600), your state attorney general, or the BBB. Attach copies of your letters, the validation notice and a log of calls.

Has Central Portfolio Control been sued?

CourtListener lists more than 250 federal dockets with CPC in the case name, mostly individual consumers' cases under the Fair Debt Collection Practices Act or the Fair Credit Reporting Act, and new cases are filed every year. In Riser v. Central Portfolio Control (W.D. Wash.), the Ninth Circuit on November 7, 2024 vacated a summary judgment the district court had granted CPC, and the case was dismissed with prejudice on January 31, 2025 after a notice of settlement. A lawsuit is an allegation, not a finding; the litigation section lists notable cases and their status.

Is Central Portfolio Control a licensed collection agency?

CPC's disclosures page lists license numbers for California (10769-99), Maryland (929038) and New York City (1136583), says CPC is licensed by the Minnesota Department of Commerce, and gives NMLS ID 929038 and a North Carolina Department of Insurance company number. Nebraska's Secretary of State lists CPC under license number 1721 on its roster of active collection agency licensees. Connecticut's 2017 consent order recites that CPC was licensed there from January 14, 2003 to September 30, 2015 and applied for a new license in January 2017. Minnesota's Department of Commerce issued a 2004 consent order ($1,500 penalty, an unlicensed address on collection letters) and a 2013 civil penalty and agreement ($2,000, collecting payday-loan debts); details are in the regulator actions section. To check current status, search NMLS ID 929038 on NMLS Consumer Access or ask the collection-agency regulator in your state.

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Central Portfolio Control (own site)

Public records

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