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

CFPB complaint data Grade D 159 complaints

Debt Co LLC - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade D.

Complaints by issue type

What consumers report about Debt Co LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record debt-co-llc Debt Co LLC

Grade D · 159 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed

  • VOL 159
  • GRADE D
  • 12MO 89
  • STATES 26
  • TIMELY 100%
  • ISSUE Attempts to collect debt n…
  • RANK #634
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Heartland Payment Systems Inc (159 complaints)

Heartland Payment Systems IncHeartland Payment Systems Inc159Lewis, McDonnell & AssociatesLewis, McDonnell & Associates159Pinnacle Financial Partners, Inc.Pinnacle Financial Partners,…159Debt Co LLC (this)Debt Co LLC (this)159A & O Recovery Solutions, LLCA & O Recovery Solutions, LLC160
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Debt Co LLC's 159 CFPB complaints sit next to Heartland Payment Systems Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 159 complaints break down

Every complaint issue type on record for Debt Co LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
49.6/100
Debt Co LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
159
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

50.3% of Debt Co LLC's CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Texas 50.3%
80 of 159 filings · 26 states touched
Seasonal peak
2023-03 9.8%
8–15% band · 4 filings
Corpus ranks
#634 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Debt Co LLC compare to its peers?

How does Debt Co LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Debt Co LLC National average
Complaints (last 12 mo)lower is better
89
16
268
Timely-response ratehigher is better
100%
94%
91%
Consumer-dispute ratelower is better
0%
17%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Debt Co LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Debt Co LLC vs. 8 similar-volume peers, by response speed and dispute rate HEARTLAND PAYMENT SYSTEMS INCCollection Professionals, Inc.A & O Recovery Solutions, LLCArnold Scott Harris, P.C.COLLECTION SERVICES OF ATHENS, INC.LOBEL FINANCIAL CORPORATIONLaw Offices of Robert J. Colclough, IIICOLLECTIONS USA, INC.
Source: CFPB Consumer Complaint Database

Debt Co LLC's complaint volume in context

Debt Co LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

159 Top 12% higher than 88% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). This entry sits in this band. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Debt Co LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2021-12 2025-05

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
54
Took or threatened to take negative or legal action
45
Written notification about debt
32
False statements or representation
23
Communication tactics
4
Electronic communications
1

Where do complaints against Debt Co LLC come from?

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

Top states by complaints against Debt Co LLC

Across 26 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Debt Co LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 159.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 100%.

4 peers

Know your rights before responding to Debt Co LLC: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.