Total CFPB complaints
29
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 29 complaints
Top Line Collectors LLC — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Top Line Collectors LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- Communication tactics
Communication tactics
6 complaints
- Written notification about debt
Written notification about debt
5 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- Electronic communications 2
Electronic communications
2 complaints
D
Grade D · 59.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Top Line Collectors LLC?
Top Line Collectors LLC has accumulated 29 total CFPB complaints across 13 states, with 29 filed in the most recent 12 months against 0 historical complaints before that window. The trailing-12-month volume represents 100.0% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 13 states, led by New York with 9 and Georgia with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.0/100 places Top Line Collectors 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
29
100.0% of total history
Rising ↑
States active
13
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
59.0/100 composite
Response-quality profile
How Top Line Collectors LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Top Line Collectors LLC compare to its peers?
Top Line Collectors LL… 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)
2025-05 2026-03
Top Consumer Issues
Written notification about debt5 (%)
Attempts to collect debt not owed7 (%)
Communication tactics6 (%)
False statements or representation2 (%)
Took or threatened to take negative or legal action2 (%)
Electronic communications2 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 5 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 3 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Electronic communications | Frequent or repeated messages | 2 |
| Communication tactics | Used obscene, profane, or other abusive language | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
Where do complaints against Top Line Collectors LLC come from?
The states where consumers have filed the most CFPB complaints against Top Line Collectors LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Top Line Collectors LLC
Across 13 states with at least one filing
- New York
New York
9 complaints
- Georgia
Georgia
4 complaints
- Florida 3
Florida
3 complaints
- North Carolina 2
North Carolina
2 complaints
- Tennessee 2
Tennessee
2 complaints
- Texas 2
Texas
2 complaints
- Illinois 1
Illinois
1 complaints
- Washington 1
Washington
1 complaints
Frequently Asked Questions
What is the most common complaint against Top Line Collectors LLC? ▼
The most common issue consumers report about Top Line Collectors LLC is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 29 complaints filed with the CFPB.
Are complaints against Top Line Collectors LLC increasing or decreasing? ▼
Complaints against Top Line Collectors LLC are rising. The company received 29 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Top Line Collectors LLC's reputation grade? ▼
Top Line Collectors LLC has a reputation grade of D (score: 59.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Top Line Collectors LLC respond to consumer complaints? ▼
Top Line Collectors LLC has a 100% timely response rate to CFPB complaints.
In how many states does Top Line Collectors LLC operate? ▼
Top Line Collectors LLC has received CFPB complaints from consumers in 13 states, with the most complaints from New York (9 complaints).
What can I do if Top Line Collectors 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 Top Line Collectors 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 |