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

CFPB complaint data Grade F 97 complaints

Debt Management Incorporated - Debt Collector Complaint Profile

CFPB complaint profile across 29 states, reputation grade F.

Complaints by issue type

What consumers report about Debt Management Incorporated

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 39.8/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: Debt Management Incorporated ranks ahead of 3% of the 5,283 collectors PlainCollector grades - 97% keep a cleaner CFPB record, on 97 all-time complaints and a 37% timely-response rate.

3rd pct
reputation rank of 5,283 graded collectors
97
CFPB complaints, all-time
37%
answered inside the CFPB window
40
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 Management Incorporated?

Debt Management Incorporated has accumulated 97 total CFPB complaints across 29 states, with 40 filed in the most recent 12 months against 57 historical complaints before that window. The trailing-12-month volume represents 41.2% 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". The company posts a 37% timely-response rate against a 17% consumer-dispute-after-response rate.

Complaints have been recorded across 29 states, led by Massachusetts with 22 and Rhode Island with 8. Normalized against the full CFPB collector database, the reputation score of 39.8/100 places Debt Management Incorporated in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

97

low-volume (CCDB)

Last 12 months

40

41.2% of all-time complaints

Rising ↑

States active

29

multi-region footprint

Timely response rate

37%

below sla band

Consumer disputes

17%

average (vertical avg ~19%)

Reputation grade

F

39.8/100 composite

How does Debt Management Incorporated's reputation rank nationally?

Reputation score vs. every graded collector

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

40 Bottom 3% higher than 3% 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%). This entry sits in this band. 40–50: 583 graded collectors (11%). Above this entry. 50–60: 1,469 graded collectors (28%). Above this entry. 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 Management Incorporated versus the debt-collection vertical average.

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) 16.7%
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?

How does Debt Management Incorporated compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Debt Management Incorp… National average
Complaints (last 12 mo)lower is better
40
75
268
Timely-response ratehigher is better
37%
99%
91%
Consumer-dispute ratelower is better
17%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-04 2024-09

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 43
Attempts to collect debt not owed - 18
Cont'd attempts collect debt not owed - 9
Disclosure verification of debt - 8
Written notification about debt - 6
False statements or representation - 5
Took or threatened to take negative or legal action - 4
Improper contact or sharing of info - 2
Taking/threatening an illegal action - 2

Where do complaints against Debt Management Incorporated come from?

Debt Management Incorporated's own per-state count, not a national baseline.

Top states by complaints against Debt Management Incorporated

Across 29 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Debt Management Incorporated contacts you

A grade of F signals how Debt Management Incorporated'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 Management Incorporated 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 Management Incorporated 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 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 40 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

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.