Debt collection
Perpay debt collection complaints
Consumers have filed 61 complaints about Perpay's debt collection, 41 in the last 12 months. Perpay answered 100% on time and closed 0% with relief. See the whole Perpay record.
Perpay against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Perpay | 41 | 100% | 0% |
Latest Perpay debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 15, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 9, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 27, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 21, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 2, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 24, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 23, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Apr 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 8, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Apr 1, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 23, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 6, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about Perpay
No comments yet. Start the conversation - questions are welcome too.