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

Data updated July 2026

D

Grade D · 53.0/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Debt Co LLC ranks ahead of 21% of the 5,283 collectors PlainCollector grades - 79% keep a cleaner CFPB record, on 159 all-time complaints and a 100% timely-response rate.

21st pct
reputation rank of 5,283 graded collectors
159
CFPB complaints, all-time
100%
answered inside the CFPB window
89
in the last 12 months (rising)

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 Debt Co LLC?

Debt Co LLC has accumulated 159 total CFPB complaints across 26 states, with 89 filed in the most recent 12 months against 70 historical complaints before that window. The trailing-12-month volume represents 56.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 100% timely-response rate.

Complaints have been recorded across 26 states, led by Texas with 80 and Missouri with 25. Normalized against the full CFPB collector database, the reputation score of 53.0/100 places Debt Co LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

159

mid-volume (CCDB)

Last 12 months

89

56.0% of all-time complaints

Rising ↑

States active

26

multi-region footprint

Timely response rate

100%

excellent band

Reputation grade

D

53.0/100 composite

How does Debt Co LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

53 Bottom 21% higher than 21% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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

Debt Co LLC versus the debt-collection vertical average.

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 46.4%

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

How does Debt Co LLC compare to its peers?

How does Debt Co LLC compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2021-12 2025-05

Issue Detail Breakdown

Issue Sub-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

What to do if Debt Co LLC contacts you

A grade of D signals how Debt Co 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 Debt Co 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 Debt Co 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 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: 53.0/100), 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).

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.