What is the most common complaint against Io, Inc.?

The most common issue consumers report about Io, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 620 complaints filed with the CFPB.

Are complaints against Io, Inc. increasing or decreasing?

Complaints against Io, Inc. are falling. The company received 81 complaints in the last 12 months, showing improvement over prior periods.

What is Io, Inc.'s reputation grade?

Io, Inc. has a reputation grade of D (score: 50.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Io, Inc. respond to consumer complaints?

Io, Inc. has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 27% of cases.

In how many states does Io, Inc. operate?

Io, Inc. has received CFPB complaints from consumers in 26 states, with the most complaints from Virginia (221 complaints).

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

Io, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 26 states, reputation grade D.

Compiled by PlainCollector

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

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 #4107

VOL 620
GRADE D
12MO 81
STATES 26
TIMELY 97%
DISPUTE 27%
ISSUE Attempts to collect debt n…
RANK #226
COMPOSE #4,107

Volume peers

Nearest volume peer: Millco Management (620 complaints)

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Io, Inc. is volume #226 but composite #4,107, while Virginia dominates the geography. 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
Divergent corpus ranks: #226 volume; #4,107 composite; Cleanest-composite ladder is 3,881 places worse than volume

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

268

Timely-response ratehigher is better

97%

95%

91%

Consumer-dispute ratelower is better

27%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Virginia

221
Maryland

168
Texas

75
Pennsylvania

64
Georgia

21
New Jersey

13
District of Columbia

9
South Carolina

8

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.