CFPB Consumer Complaint Profile
Debt 0, Inc
Consumers have filed 26 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 26
- Total complaints
- Mid-range
- 6
- Last 12 months
- 100%
- Timely response
- Top decile
- 4
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Debt 0, Inc sits at #2538, with 26 complaints logged. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #2538
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt or credit manag…
- most-complained product
- 4
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Debt 0, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2017 | 4 |
| 2018 | 2 |
| 2019 | 1 |
| 2020 | 1 |
| 2021 | 2 |
| 2023 | 4 |
| 2024 | 4 |
| 2025 | 7 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Debt 0, Inc
The CFPB Consumer Complaint Database has logged 26 complaints against Debt 0, Inc overall, with 6 of those filed in the trailing 12 months. Reports have come from consumers in 4 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Debt or credit management," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Didn't provide services promised" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Debt 0, Inc's timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Among resolved complaints, 38.5% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Debt 0, Inc have?
The CFPB has logged 26 complaints against Debt 0, Inc to date, of which 6 came in over the last 12 months.
Does Debt 0, Inc respond to complaints on time?
Debt 0, Inc has a 100% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Debt 0, Inc?
"Debt or credit management" draws more CFPB complaints against Debt 0, Inc than any other product - see the full breakdown above.
What is the most common complaint issue with Debt 0, Inc?
Consumers most often cite "Didn't provide services promised" when complaining about Debt 0, Inc; the full issue list with counts is above.
How do I file a complaint against Debt 0, Inc?
You can file a complaint against Debt 0, Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Debt 0, Inc?
The CFPB has recorded complaints against Debt 0, Inc from 4 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Debt or credit management
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.