Total CFPB complaints
97
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 97 complaints
Debt Management Incorporated — Debt Collector Complaint Profile
CFPB complaint profile across 29 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Debt Management Incorporated
- Communication tactics
Communication tactics
41 complaints
- Attempts to collect debt not owed 14
Attempts to collect debt not owed
14 complaints
- Cont'd attempts collect debt not owed 7
Cont'd attempts collect debt not owed
7 complaints
- Disclosure verification of debt 5
Disclosure verification of debt
5 complaints
- Written notification about debt 5
Written notification about debt
5 complaints
- Took or threatened to take negative or legal action 4
Took or threatened to take negative or legal action
4 complaints
F
Grade F · 39.8/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Debt Management Incorporated?
Debt Management Incorporated has accumulated 97 total CFPB complaints across 29 states, with 46 filed in the most recent 12 months against 51 historical complaints before that window. The trailing-12-month volume represents 47.4% 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 "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 37% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 29 states, led by Massachusetts with 22 and Rhode Island with 8, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 39.8/100 places Debt Management Incorporated in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
46
47.4% of total history
Rising ↑
States active
29
Distinct state filings
Timely response rate
37%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
F
39.8/100 composite
Response-quality profile
How Debt Management Incorporated performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 37.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 51.8%
Share of US states + territories with at least one filed complaint against this collector.
How does Debt Management Incorporated compare to its peers?
Debt Management Incorp… 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)
2017-02 2025-11
Top Consumer Issues
Communication tactics41 (%)
Attempts to collect debt not owed14 (%)
Cont'd attempts collect debt not owed7 (%)
Disclosure verification of debt5 (%)
Written notification about debt5 (%)
Took or threatened to take negative or legal action4 (%)
Most common issue: Communication tactics — Frequent or repeated calls
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 |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 23 |
| Attempts to collect debt not owed | Debt is not yours | 11 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 9 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Communication tactics | Used obscene/profane/abusive language | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Communication tactics | Used obscene, profane, or other abusive language | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Attempts to collect debt not owed | Debt was paid | 3 |
Where do complaints against Debt Management Incorporated come from?
The states where consumers have filed the most CFPB complaints against Debt Management Incorporated. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Debt Management Incorporated
Across 29 states with at least one filing
- Massachusetts
Massachusetts
22 complaints
- Rhode Island 8
Rhode Island
8 complaints
- Texas 8
Texas
8 complaints
- Florida 5
Florida
5 complaints
- Virginia 5
Virginia
5 complaints
- Maine 4
Maine
4 complaints
- Idaho 3
Idaho
3 complaints
- Illinois 3
Illinois
3 complaints
Frequently Asked Questions
What is the most common complaint against Debt Management Incorporated? ▼
The most common issue consumers report about Debt Management Incorporated is "Communication tactics", specifically "Frequent or repeated calls". This is based on 97 complaints filed with the CFPB.
Are complaints against Debt Management Incorporated increasing or decreasing? ▼
Complaints against Debt Management Incorporated are rising. The company received 46 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Debt Management Incorporated's reputation grade? ▼
Debt Management Incorporated has a reputation grade of F (score: 39.8/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Debt Management Incorporated respond to consumer complaints? ▼
Debt Management Incorporated has a 37% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does Debt Management Incorporated operate? ▼
Debt Management Incorporated has received CFPB complaints from consumers in 29 states, with the most complaints from Massachusetts (22 complaints).
What can I do if Debt Management Incorporated 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 Management Incorporated 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 |