On the complaint record, Portfolio Recovery Associates scores higher (89/100 against 85): it answered 99.8% on time and gave relief in 62% of closed complaints, against 99.9% and 50% for CL Holdings.
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
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Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.
Which would you choose?
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