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

CFPB complaint data Grade D 620 complaints

Io, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade D.

Complaints by issue type

What consumers report about Io, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record io-inc Io, Inc.

Grade D · 620 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed · vol #226 · compose #383

  • VOL 620
  • GRADE D
  • 12MO 81
  • STATES 26
  • TIMELY 97%
  • DISPUTE 27%
  • ISSUE Attempts to collect debt n…
  • RANK #226
  • COMPOSE #383

Volume peers

Nearest volume peer: Millco Management (620 complaints)

January Technologies, IncJanuary Technologies, Inc616ResidentCollect, Inc.ResidentCollect, Inc.617Millco ManagementMillco Management620Io, Inc. (this)Io, Inc. (this)620Financial Credit Service, Inc.Financial Credit Service, In…627
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Io, Inc.'s 620 CFPB complaints sit next to Millco Management 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 →

How the 620 complaints break down

Every complaint issue type on record for Io, Inc., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
50.5/100
Io, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
620
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
27%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

35.6% of Io, Inc.'s CFPB filings land in Virginia

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Virginia 35.6%
221 of 620 filings · 26 states touched
Seasonal peak
2026-01 11.3%
8–15% band · 8 filings
Corpus ranks
#226 volume
#383 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Io, Inc. compare to its peers?

How does Io, Inc. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Io, Inc. National average
Complaints (last 12 mo)lower is better
81
20
268
Timely-response ratehigher is better
97%
95%
91%
Consumer-dispute ratelower is better
27%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Io, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Io, Inc. vs. 9 similar-volume peers, by response speed and dispute rate Io, Inc.Millco ManagementResidentCollect, Inc.Financial Credit Service, Inc.Merchants' Credit Guide CompanySynovus BankAVANTEGlobal Lending Services LLCCapital Management Services, LPLendmark Financial Services
Source: CFPB Consumer Complaint Database

Io, Inc.'s complaint volume in context

Io, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

620 Top 4% higher than 96% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Io, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2023-08 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
258
Written notification about debt
156
False statements or representation
74
Cont'd attempts collect debt not owed
51
Took or threatened to take negative or legal action
34
Disclosure verification of debt
24
Communication tactics
19
Threatened to contact someone or share information improperly
2
Improper contact or sharing of info
2

Where do complaints against Io, Inc. come from?

Io, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Io, Inc.

Across 26 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Io, Inc.: 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: 620.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 97.16193656093489%.

4 peers

Know your rights before responding to Io, Inc.: 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.