This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 105 complaints

Clear Debt Solutions, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 27 states, reputation grade F.

Complaints by issue type

What consumers report about Clear Debt Solutions, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 48.9/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Clear Debt Solutions, LLC ranks ahead of 13% of the 5,283 collectors PlainCollector grades - 87% keep a cleaner CFPB record, on 105 all-time complaints and a 64% timely-response rate.

13th pct
reputation rank of 5,283 graded collectors
105
CFPB complaints, all-time
64%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Clear Debt Solutions, LLC?

Clear Debt Solutions, LLC has accumulated 105 total CFPB complaints across 27 states, with 0 filed in the most recent 12 months against 105 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 64% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 27 states, led by Texas with 17 and California with 14. Normalized against the full CFPB collector database, the reputation score of 48.9/100 places Clear Debt Solutions, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

105

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

27

multi-region footprint

Timely response rate

64%

below sla band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

F

48.9/100 composite

How does Clear Debt Solutions, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

49 Bottom 13% higher than 13% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Clear Debt Solutions, LLC versus the debt-collection vertical average.

Timely response within SLA 64.2%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 17.2%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 48.2%

Share of US states + territories with at least one filed complaint against this collector.

How does Clear Debt Solutions, LLC compare to its peers?

How does Clear Debt Solutions, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Clear Debt Solutions, … National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
64%
46%
91%
Consumer-dispute ratelower is better
17%
18%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-12 2022-01

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 38
Improper contact or sharing of info - 26
Cont'd attempts collect debt not owed - 15
Taking/threatening an illegal action - 11
Disclosure verification of debt - 7
False statements or representation - 3
Threatened to contact someone or share information improperly - 3
Attempts to collect debt not owed - 1
Took or threatened to take negative or legal action - 1

Where do complaints against Clear Debt Solutions, LLC come from?

Clear Debt Solutions, LLC's own per-state count, not a national baseline.

Top states by complaints against Clear Debt Solutions, LLC

Across 27 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Clear Debt Solutions, LLC contacts you

A grade of F signals how Clear Debt Solutions, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Clear Debt Solutions, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Clear Debt Solutions, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Clear Debt Solutions, LLC? ▼

The most common issue consumers report about Clear Debt Solutions, LLC is "Communication tactics", specifically "Frequent or repeated calls". This is based on 105 complaints filed with the CFPB.

Are complaints against Clear Debt Solutions, LLC increasing or decreasing? ▼

Complaints against Clear Debt Solutions, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Clear Debt Solutions, LLC's reputation grade? ▼

Clear Debt Solutions, LLC has a reputation grade of F (score: 48.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Clear Debt Solutions, LLC respond to consumer complaints? ▼

Clear Debt Solutions, LLC has a 64% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Clear Debt Solutions, LLC operate? ▼

Clear Debt Solutions, LLC has received CFPB complaints from consumers in 27 states, with the most complaints from Texas (17 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.