What is the most common complaint against Debt Co LLC?

The most common issue consumers report about Debt Co LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 159 complaints filed with the CFPB.

Are complaints against Debt Co LLC increasing or decreasing?

Complaints against Debt Co LLC are rising. The company received 89 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Debt Co LLC's reputation grade?

Debt Co LLC has a reputation grade of D (score: 49.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Debt Co LLC respond to consumer complaints?

Debt Co LLC has a 100% timely response rate to CFPB complaints.

In how many states does Debt Co LLC operate?

Debt Co LLC has received CFPB complaints from consumers in 26 states, with the most complaints from Texas (80 complaints).

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

Debt Co LLC - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade D.

Compiled by PlainCollector

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

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 #634 · compose #4181

VOL 159
GRADE D
12MO 89
STATES 26
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #634
COMPOSE #4,181

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Debt Co LLC is volume #634 but composite #4,181, while Texas dominates the geography. 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
Divergent corpus ranks: #634 volume; #4,181 composite; Cleanest-composite ladder is 3,547 places worse than volume

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

268

Timely-response ratehigher is better

100%

94%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

80
Missouri

25
Illinois

7
Oklahoma

6
Arkansas

5
Pennsylvania

5
Florida

3
Ohio

3

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.