Total CFPB complaints
18
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 18 complaints
Genuine Debt Solutions, LLC. — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Genuine Debt Solutions, LLC.
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
8 complaints
- Communication tactics
Communication tactics
5 complaints
- Taking/threatening an illegal action 3
Taking/threatening an illegal action
3 complaints
- Disclosure verification of debt 1
Disclosure verification of debt
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
D
Grade D · 53.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Genuine Debt Solutions, LLC.?
Genuine Debt Solutions, LLC. has accumulated 18 total CFPB complaints across 11 states, with 0 filed in the most recent 12 months against 18 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 56% timely-response rate against a 22% 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 11 states, led by Florida with 4 and Delaware with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.4/100 places Genuine Debt Solutions, LLC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
11
Distinct state filings
Timely response rate
56%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
53.4/100 composite
Response-quality profile
How Genuine Debt Solutions, LLC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 55.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 44.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Genuine Debt Solutions, LLC. compare to its peers?
Genuine Debt Solutions… 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)
2015-01 2016-05
Top Consumer Issues
Cont'd attempts collect debt not owed8 (%)
Taking/threatening an illegal action3 (%)
Communication tactics5 (%)
Disclosure verification of debt1 (%)
Improper contact or sharing of info1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Communication tactics | Threatened to take legal action | 2 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
| Improper contact or sharing of info | Contacted employer after asked not to | 1 |
Where do complaints against Genuine Debt Solutions, LLC. come from?
The states where consumers have filed the most CFPB complaints against Genuine Debt Solutions, LLC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Genuine Debt Solutions, LLC.
Across 11 states with at least one filing
- Florida
Florida
4 complaints
- Delaware
Delaware
3 complaints
- California
California
2 complaints
- Pennsylvania
Pennsylvania
2 complaints
- New Jersey 1
New Jersey
1 complaints
- Wisconsin 1
Wisconsin
1 complaints
- North Carolina 1
North Carolina
1 complaints
- Tennessee 1
Tennessee
1 complaints
Frequently Asked Questions
What is the most common complaint against Genuine Debt Solutions, LLC.? ▼
The most common issue consumers report about Genuine Debt Solutions, LLC. is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 18 complaints filed with the CFPB.
Are complaints against Genuine Debt Solutions, LLC. increasing or decreasing? ▼
Complaints against Genuine Debt Solutions, LLC. have been stable. The company received 0 complaints in the last 12 months.
What is Genuine Debt Solutions, LLC.'s reputation grade? ▼
Genuine Debt Solutions, LLC. has a reputation grade of D (score: 53.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Genuine Debt Solutions, LLC. respond to consumer complaints? ▼
Genuine Debt Solutions, LLC. has a 56% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.
In how many states does Genuine Debt Solutions, LLC. operate? ▼
Genuine Debt Solutions, LLC. has received CFPB complaints from consumers in 11 states, with the most complaints from Florida (4 complaints).
What can I do if Genuine Debt Solutions, LLC. 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 Genuine Debt Solutions, LLC. 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 |