Total CFPB complaints
17
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 17 complaints
DEBT 0, INC — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about DEBT 0, INC
- Didn't provide services promised
Didn't provide services promised
6 complaints
- Confusing or misleading advertising or marketing
Confusing or misleading advertising or marketing
3 complaints
- Unauthorized withdrawals or charges
Unauthorized withdrawals or charges
3 complaints
- Attempts to collect debt not owed 2
Attempts to collect debt not owed
2 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
C
Grade C · 62.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about DEBT 0, INC?
DEBT 0, INC has accumulated 17 total CFPB complaints across 4 states, with 6 filed in the most recent 12 months against 11 historical complaints before that window. The trailing-12-month volume represents 35.3% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Didn't provide services promised", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% 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 4 states, led by Florida with 10 and Texas with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.3/100 places DEBT 0, INC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
6
35.3% of total history
Stable →
States active
4
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
C
62.3/100 composite
Response-quality profile
How DEBT 0, INC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does DEBT 0, INC compare to its peers?
DEBT 0, 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)
2019-11 2026-03
Top Consumer Issues
Didn't provide services promised6 (%)
Confusing or misleading advertising or marketing3 (%)
Unauthorized withdrawals or charges3 (%)
Attempts to collect debt not owed2 (%)
Took or threatened to take negative or legal action1 (%)
Written notification about debt1 (%)
False statements or representation1 (%)
Most common issue: Didn't provide services promised
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 |
|---|---|---|
| Didn't provide services promised | — | 6 |
| Confusing or misleading advertising or marketing | — | 3 |
| Unauthorized withdrawals or charges | — | 3 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against DEBT 0, INC come from?
The states where consumers have filed the most CFPB complaints against DEBT 0, INC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against DEBT 0, INC
Across 4 states with at least one filing
- Florida
Florida
10 complaints
- Texas
Texas
4 complaints
- Georgia 2
Georgia
2 complaints
- Minnesota 1
Minnesota
1 complaints
Frequently Asked Questions
What is the most common complaint against DEBT 0, INC? ▼
The most common issue consumers report about DEBT 0, INC is "Didn't provide services promised". This is based on 17 complaints filed with the CFPB.
Are complaints against DEBT 0, INC increasing or decreasing? ▼
Complaints against DEBT 0, INC have been stable. The company received 6 complaints in the last 12 months.
What is DEBT 0, INC's reputation grade? ▼
DEBT 0, INC has a reputation grade of C (score: 62.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does DEBT 0, INC respond to consumer complaints? ▼
DEBT 0, INC has a 100% timely response rate to CFPB complaints.
In how many states does DEBT 0, INC operate? ▼
DEBT 0, INC has received CFPB complaints from consumers in 4 states, with the most complaints from Florida (10 complaints).
What can I do if DEBT 0, INC 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 DEBT 0, INC 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 |