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
Yes Online Inc — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Yes Online Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
8 complaints
- False statements or representation
False statements or representation
5 complaints
- Written notification about debt 2
Written notification about debt
2 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
D
Grade D · 58.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Yes Online Inc?
Yes Online Inc has accumulated 18 total CFPB complaints across 12 states, with 3 filed in the most recent 12 months against 15 historical complaints before that window. The trailing-12-month volume represents 16.7% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 89% 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 12 states, led by New York with 3 and Arizona 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 58.3/100 places Yes Online Inc 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
3
16.7% of total history
Falling ↓
States active
12
Distinct state filings
Timely response rate
89%
Within CFPB SLA window
Reputation grade
D
58.3/100 composite
Response-quality profile
How Yes Online Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 88.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Yes Online Inc compare to its peers?
Yes Online Inc 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)
2023-10 2026-01
Top Consumer Issues
Attempts to collect debt not owed8 (%)
False statements or representation5 (%)
Written notification about debt2 (%)
Took or threatened to take negative or legal action2 (%)
Communication tactics1 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 6 |
| False statements or representation | Attempted to collect wrong amount | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Yes Online Inc come from?
The states where consumers have filed the most CFPB complaints against Yes Online Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Yes Online Inc
Across 12 states with at least one filing
- New York
New York
3 complaints
- Arizona
Arizona
3 complaints
- Delaware
Delaware
2 complaints
- Illinois
Illinois
2 complaints
- Mississippi 1
Mississippi
1 complaints
- California 1
California
1 complaints
- Georgia 1
Georgia
1 complaints
- South Carolina 1
South Carolina
1 complaints
Frequently Asked Questions
What is the most common complaint against Yes Online Inc? ▼
The most common issue consumers report about Yes Online Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 18 complaints filed with the CFPB.
Are complaints against Yes Online Inc increasing or decreasing? ▼
Complaints against Yes Online Inc are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.
What is Yes Online Inc's reputation grade? ▼
Yes Online Inc has a reputation grade of D (score: 58.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Yes Online Inc respond to consumer complaints? ▼
Yes Online Inc has a 89% timely response rate to CFPB complaints.
In how many states does Yes Online Inc operate? ▼
Yes Online Inc has received CFPB complaints from consumers in 12 states, with the most complaints from New York (3 complaints).
What can I do if Yes Online Inc 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 Yes Online Inc 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 |