Free Help to Stop Central Portfolio Control Collections Harassment

How To Put An End to Unwanted Calls and Debt Collector Abuse and Threats.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Central Portfolio Control
Central Portfolio Control or CPC is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is Central Portfolio Control?

Central Portfolio Control or CPC is a third-party collection agency based in Minnesota. CPC has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including illegal communication tactics and failure to verify debts. If you have been contacted by Central Portfolio Control regarding past due financial obligations, understand your rights before taking action.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Central Portfolio Control a scam?

They’re legit. According to the Better Business Bureau (BBB), Central Portfolio Control, Inc. is a legitimate collection agency founded and incorporated in 1998. The BBB opened its file in 2001. CPC is listed as a collection agency. The BBB has posted an Alert warning consumers that CPC has been cited for instances of misconduct. Buzzfile estimates Central Portfolio Control’s annual revenue at $3.9 million and the size of its staff at 29 people

According to its website, CPC is “a full service and nationally licensed collection agency focused on the recovery of distressed accounts receivable.” Their stated mission is to provide “clients with the highest quality recovery services available and exceed expectations delivering bottom line results.”

Who does Central Portfolio Control collect for?

Central Portfolio Control collects delinquent debts for most of the usual consumer lending industries, including credit cards, retail credit, and auto financing. CPC also collects delinquent real estate accounts for homeowner associations and home mortgage lenders. In addition, CPC’s commercial collections division collects delinquencies for business-to-business including construction and contracting companies and equipment leasing. CPC cites intimate knowledge of the rules and regulations governing each industry as its strength.

CPC’s online payment page provides information about making payments over the phone, by mail, online via a payment portal, or using Western Union. Their consumer resources page provides links to Ask Dr. Debt, CreditKarma,, and However, their compliance information is limited to a statement inviting feedback. There are no links or references to consumer protection laws or enforcement agencies, and no mention of compliance policies or employee training.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against Central Portfolio Control – CPC?

As of October 2017, the BBB has given CPC a rating of B+. The BBB has closed 53 complaints against Central Portfolio Control in the past three years, with 5 complaints closed in the past 12 months. Most of those complaints allege problems with advertising and sales. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 22 complaints against CPC. Justia lists at least 17 cases of civil litigation naming CPC as a defendant.

Contact Information

Central Portfolio Control, Inc.
10249 Yellow Circle Drive, Suite 200
Minnetonka, MN 55343
Telephone: (800) 541-7123

Can Central Portfolio Control Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely CPC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Central Portfolio Control – CPC?

Absolutely.  You can sue a debt collector. Here are some Sample Complaints

According to its website, the Commerce Department of Minnesota in October 2013 filed a statement of charges against two prominent Minnesota-based collection agencies for “allegedly operating without a license and using money collected…for personal extravagances, [such as] “season tickets for both the Minnesota Twins and the Minnesota Wild; utility bills, parts for [an agency manager’s] classic Corvette, meals, and home and cabin costs; and a vacation in Costa Rica including a chartered fishing trip, zip line tour over eleven waterfalls, golf, a Segway tour, horseback riding, and white water rafting while staying at two different upscale spa and golf resorts.” Although this investigation did not specifically target Central Portfolio Control, the Department was acting in a wider effort “‘to shut down abusive debt collectors to stop them from illegally lining their own pockets and harming consumers and businesses.’”

According to the BBB, the Minnesota Department of Commerce on October 29, 2013, took separate 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 MN making them illegal and void loans.” These practices violate FDCPA provisions against “deceptive practices in connection with the collection of a debt.” In addition, the FDCPA prohibits the collection “of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly permitted by law.” The Minnesota Department of Commerce required Central Portfolio Control to pay a civil penalty of $2,000 and sign a statement agreeing that:
1. the violation as described occurred and CPC will resolve it in this manner;
2. CPC is aware of its right to a hearing and hereby waives that right; and
3. CPC has been advised of their right to legal counsel and has either had legal counsel or waived their right to legal counsel.

Central Portfolio Control CPC Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Consumers have reported this agency harassing them from the following numbers:

  • 952-582-6086
  • 800-871-9315
  • 952-540-4782
  • 952-540-4782
  • 800-804-3897
  • 210-764-4843
  • 386-206-1220
  • 480-634-5921
  • 609-521-4178
  • 800-871-8630
  • 888-250-2795
  • 952-582-6056
  • 952-585-6068
  • 952-944-5419

Can I sue CPC for harassment?

Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”

“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.

“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”

Can You Help Me Delete Central Portfolio Control CPC from My Credit Report?

Chances are good that we can help.  Call us today and we’ll explain.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Michelle P

    This company is calling me from a cell or spoofed number 703-570-7942. They refuse to identify why they are calling and keep attempting to gain information and say inaudibly the company name from which they are calling. They call numerous times a day, weekly. They have made no attempt at mail communication. They do not identify up front the purpose of the call.

  • Michelle H

    I just starting getting texts from them as well. I called and the guy I spoke with one had an old address for me from 7 years ago. He stated that I owed Citi Health 986.00 from 2010. I have been able to get credit cards rent apartments and buy a car and that h as not shown up on my report. WTH!!!!!

  • Jeremiah

    First of all if you’re going to try and collect a debt make sure it’s not 11 years old…. Also make sure that the debt was actually sold to them…see I called the hospital you said the debt was from and they sent me to the collections company they deal with….funny thing is they never sold the debt…

    Last but not least I will be turning your company in and filing a formal complaint and speaking with an attorney and possibly pursue charges for harassment …..

    Id really like to know how this business obtained my PERSONAL information

  • Rebecca W

    CPC called daily for months on end in Aug-Oct 2019. When I picked up they asked for a person who I never heard of. After months of these calls, I found out who/ where and called and spoke to a manager/superior in Manntucket giving my name and phone number to be removed from their list as there was no such and such here, ever. I told them to remove my number from their list and to never call here again or I would report them for harassment. My spouse also called twice and left voicemail for a return call and never heard from anyone. Those calls came in from a 206 area code. Now the calls have started up again this March from a 360 area code asking for the same person.

  • Danny M

    Central portfolio control calls me 20 or more times a day. Back to back. They text me to call them but don’t answer my text on what’s it about. I’ve checked my mail and do not see anything with their name on it.

  • Cheryl Z

    They have never called me that I know of since I don’t answer calls I don’t know but now they are texting me to call them, Is that even legal???

  • Samatha S

    CPC has been calling me early in the morning & late at night. The woman I talked to was very rude and intimidating, and she said the only way I could pay off my debt was if I gave her my credit card number over the phone.

  • Cierra L

    CPC calls my house phone multiple times a week. I have never actually talked to them. They have my maiden name, and the only debt I can think of would be medical bills but I was always insured due to my father being in the military.

  • A M

    I continue to get 3-4 calls a week from CPC. I do not have ANY debts! I am becoming increasingly frustrated with the number of calls and voicemails I am getting from them. I try blocking the number, and they call from a different number.

  • Shaun C

    These people have called me many times. I have superior credit, and no outstanding debts. I really don’t have any idea why they continue to call me, or what debt they might be calling about. On each occasion, the caller repeats her name, and attempts to confirm personal information from me. It takes three or four attempts at disclosure before the caller identifies her company, Central Portfolio Control. At this point I tell the caller to place me on their Do Not Call list and to never call me again. A week later they call again. This is harassment. What can I do?

  • Deborah W

    This company has called me and wanted me to verify my name, mailing address, SS # over the phone but would not tell me why. I have no collection accounts. Is this legal?

  • Mary

    This company calls..I have great credit and owe no one!! These are annoying people!!

  • Jennifer B

    Received call from CPC recently and do not know why or what debt it would be about, if any.

  • Anonymous

    For over a year and a half I get weekly calls from this company for a woman who hasn’t worked here in years on my work phone for a Hospital Emergency Department so I can’t block the number. I have contacted their VP on voicemail to ask for remediation, and received a voicemail in return stating it would be remedied months ago- it has not. I have attempted to speak to the representatives who call and have been screamed at and cussed at, and hung up on. This constitutes harassment. I have submitted complaints with the BBB, and the WA State Attorney General’s Office, and will be submitting further complaints with the Minnesota State Attorney General’s office and the Federal Trade Commission if this incessant calling does not cease. The number they call from is 206-508-3301

  • Anna M

    I got a letter from them stating that I owed a local hospital something like $4,000, The letter said that if I responded within 7 days, they would cut the bill in half. So I called them to try and get more information about the bill. They said the only information that they had was the date of the bill and that my daughter was the patient. I asked them if they could send me a copy of the bill, they said no. They also informed me that since I had called I would have to make a payment immediately in order to still get the half off deal. I informed them that I was refuting the charges and would make contact with the hospital myself. I contacted the hospital and the charges that CPC said I owed were actually paid.
    Fast forward, I have been recieving robo calls at least three times a day. Sometimes when I answer they just hang up. Now I just got another letter from them and the bill has gone up to $9,919.00. I call the company and it’s for the same date and child. I inform them that bill was paid in full. I also wanted to find out how the bill had more than doubled. I was told that I was being charged interest. I am pretty sure that they cannot charge interest, but I will check that out. I haven’t called the hospital yet, but that bill was paid by Medicaid so I am going to be making a report to them about this.

  • Nadine E

    My husband been get a call from these people (952) 215 0403. He has no idea what they are talking about they are saying he owes 9K from 1998. It wasn’t always 9K it got up to 9K, he dont’ even know what it is. They cant even tell what credit card, my husband has been able to finance cars and other line of credit. This has never shown up on his report. They called me at work, saying they thought it was my cell phone. They are rude and threatening us with 12% every day. They said they sent it to court, we never heard anything about going to court. WTF are they? They call are cells phone our jobs every dam day not stop leaving messages about us getting arrested. I don’t know what we are to do? please don’t call me email, if i see a 1800 i am not going to answer.

  • Cheryl T

    This Company CPC has been calling me saying that owe Chase Manhatten $29,000 and had a judgement from 2005, first of all if i did i knew nothing about it and 2nd it is 2018 and why now are they calling we at home at least 3 times a day, robo calling and now contact me at work threatening we with wage garnishing and will take any all things i own. just to make it clear NO credit card company would give me with bad credit $29,000 line of credit. I have been told that this a scam and that these people are looking to scare people in paying something that they do not owe. I need them to STOP calling me.

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