Total CFPB complaints
47
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 47 complaints
All Debt Solutions Inc. dba: 1st Class Agency — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about All Debt Solutions Inc. dba: 1st Class Agency
- Attempts to collect debt not owed
Attempts to collect debt not owed
24 complaints
- Written notification about debt
Written notification about debt
11 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
- Unauthorized withdrawals or charges 1
Unauthorized withdrawals or charges
1 complaints
D
Grade D · 54.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about All Debt Solutions Inc. dba: 1st Class Agency?
All Debt Solutions Inc. dba: 1st Class Agency has accumulated 47 total CFPB complaints across 17 states, with 3 filed in the most recent 12 months against 44 historical complaints before that window. The trailing-12-month volume represents 6.4% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 94% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 17 states, led by Massachusetts with 12 and Florida with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.3/100 places All Debt Solutions Inc. dba: 1st Class Agency in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3
6.4% of total history
Falling ↓
States active
17
Distinct state filings
Timely response rate
94%
Within CFPB SLA window
Reputation grade
D
54.3/100 composite
Response-quality profile
How All Debt Solutions Inc. dba: 1st Class Agency performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 30.4%
Share of US states + territories with at least one filed complaint against this collector.
How does All Debt Solutions Inc. dba: 1st Class Agency compare to its peers?
All Debt Solutions Inc… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2022-01 2026-02
Top Consumer Issues
Attempts to collect debt not owed24 (%)
Written notification about debt11 (%)
False statements or representation4 (%)
Took or threatened to take negative or legal action2 (%)
Threatened to contact someone or share information improperly1 (%)
Unauthorized withdrawals or charges1 (%)
Charged upfront or unexpected fees1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 15 |
| Written notification about debt | Didn't receive enough information to verify debt | 7 |
| Attempts to collect debt not owed | Debt was result of identity theft | 5 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 4 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| Unauthorized withdrawals or charges | — | 1 |
| Charged upfront or unexpected fees | — | 1 |
Where do complaints against All Debt Solutions Inc. dba: 1st Class Agency come from?
The states where consumers have filed the most CFPB complaints against All Debt Solutions Inc. dba: 1st Class Agency. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against All Debt Solutions Inc. dba: 1st Class Agency
Across 17 states with at least one filing
- Massachusetts
Massachusetts
12 complaints
- Florida
Florida
9 complaints
- New Jersey 4
New Jersey
4 complaints
- Texas 4
Texas
4 complaints
- Georgia 3
Georgia
3 complaints
- Missouri 2
Missouri
2 complaints
- Rhode Island 2
Rhode Island
2 complaints
- New Hampshire 2
New Hampshire
2 complaints
Frequently Asked Questions
What is the most common complaint against All Debt Solutions Inc. dba: 1st Class Agency? ▼
The most common issue consumers report about All Debt Solutions Inc. dba: 1st Class Agency is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 47 complaints filed with the CFPB.
Are complaints against All Debt Solutions Inc. dba: 1st Class Agency increasing or decreasing? ▼
Complaints against All Debt Solutions Inc. dba: 1st Class Agency are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.
What is All Debt Solutions Inc. dba: 1st Class Agency's reputation grade? ▼
All Debt Solutions Inc. dba: 1st Class Agency has a reputation grade of D (score: 54.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does All Debt Solutions Inc. dba: 1st Class Agency respond to consumer complaints? ▼
All Debt Solutions Inc. dba: 1st Class Agency has a 94% timely response rate to CFPB complaints.
In how many states does All Debt Solutions Inc. dba: 1st Class Agency operate? ▼
All Debt Solutions Inc. dba: 1st Class Agency has received CFPB complaints from consumers in 17 states, with the most complaints from Massachusetts (12 complaints).
What can I do if All Debt Solutions Inc. dba: 1st Class Agency is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If All Debt Solutions Inc. dba: 1st Class Agency violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |