Central Portfolio Control, Inc. (CPC) is a debt collection agency headquartered in Minnetonka, Minnesota, founded in 1998. It collects medical, consumer, commercial, subrogation and government accounts for creditors nationwide.
- Type
- Collection agency
- Also known as
- Central Portfolio Control, Inc.; CPC
- Headquarters
- Minnetonka, MN
- Collects
- medical bills, consumer accounts, commercial accounts, subrogation claims, government receivables
- Phone numbers it lists
- (800) 834-2147, (952) 215-0412, (800) 670-1201
- Website
- cpcrecovery.com
2,356 debt collection complaints were sent to the Consumer Financial Protection Bureau about Central Portfolio Control Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Central Portfolio Control?
Central Portfolio Control, Inc., usually shortened to CPC, is a collection agency headquartered at 10249 Yellow Circle Drive, Suite 200, Minnetonka, Minnesota. Its website says it was founded in 1998 and has offices in Minnetonka, Clearwater and Nashville. CPC describes itself as nationally licensed; its disclosures page lists California Department of Financial Protection and Innovation license number 10769-99.
The company says it belongs to ACA International and the Receivables Management Association International, as well as two healthcare revenue-cycle groups, HFMA and AAHAM, and that it follows HIPAA for healthcare accounts. Its consumer website is cpcrecovery.com.
Why Central Portfolio Control May Be Contacting You
CPC lists five service lines: medical, consumer, commercial, subrogation and government collections. For most people, a CPC call is about one of three things: a hospital, clinic or other provider's bill; a consumer account placed by a creditor; or a subrogation claim, where an insurer is seeking reimbursement for damage it paid after an accident it says you caused. Its contact page notes that federal rules keep it from leaving detailed voicemails, so it typically asks you to call back and verify your identity.
The numbers on CPC's own website are (800) 834-2147 toll-free, (952) 215-0412 locally, and (800) 670-1201 for Spanish speakers. CPC warns that third-party sites may list outdated numbers.
How to Check a Debt Central Portfolio Control Says You Owe
How you check depends on what kind of account it is.
- Every account: Look for the validation notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34, and dispute in writing within the period it states if anything is wrong. CPC must then pause collection until it provides verification. CPC's disclosures page says written record requests can go to its Minnetonka address.
- Medical bills: Ask for an itemized statement and your explanation of benefits from your insurer. Texas health care facilities generally can't pursue collection until they've sent an itemized bill; see Texas's itemized-bill law.
- Subrogation claims: Ask for the insurer's claim file, the accident report and the repair invoices. Liability for an accident is often contested, and an insurer's demand isn't a court judgment. Note that courts have held some accident-based subrogation claims aren't "debts" under the FDCPA because they don't arise from a consumer transaction, so the protections below may not all apply to them.
- Ownership and timing: Ask whether the original creditor still owns the account. Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have their own deadlines.
What Central Portfolio Control Can and Can't Do
CPC collects for others, which makes it a "debt collector" under 15 U.S.C. § 1692a(6) of the FDCPA. In practice:
- It can't discuss your medical account with family members or your employer, apart from narrow location inquiries, and it shouldn't reveal the debt in a voicemail others might hear.
- Medical collections that are paid, or under $500, generally no longer appear on credit reports under the bureaus' own policies; see the reporting changes.
- Regulation F presumes a violation after more than seven calls in seven days on one account (12 C.F.R. § 1006.14(b)(2)).
- It can't threaten to sue unless a lawsuit is actually intended and legally possible.
- Texas doesn't allow wage garnishment for an ordinary medical or consumer bill.
If something about CPC's contact concerns you, our FDCPA attorneys can review it.
Government Actions on the Public Record
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Central Portfolio Control or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Central Portfolio Control: About
- Central Portfolio Control: Contact
- Central Portfolio Control: Disclosures
- Central Portfolio Control: home page and services
- Connecticut Department of Banking: Central Portfolio Control consent order (2017)
- CFPB Consumer Complaint Database: Central Portfolio Control Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Central Portfolio Control has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.