CFPB Consumer Complaint Profile
Debt Co LLC
154 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 154
- Total complaints
- 80
- Last 12 months
- 100%
- Timely response
- 29
- States affected
The verdict
Debt Co LLC ranks #1087 of 3,848 financial companies by CFPB complaint volume, with 154 complaints on record. Its on-time response rate is 100%, ahead of the 93% median among companies with 100+ complaints.
- #1087
- of 3,848 companies by volume
- 100%
- answered on time
- Debt collection
- most-complained product
- 29
- states with complaints
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 |
|---|---|
| 2021 | 5 |
| 2022 | 15 |
| 2023 | 15 |
| 2024 | 26 |
| 2025 | 55 |
| 2026 | 38 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Debt Co LLC
154 complaints against Debt Co LLC appear in the CFPB record, including 80 from the trailing year. The 29 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Debt Co LLC answers 100% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Of complaints that were resolved, 0% 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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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 Co LLC have?
The CFPB has logged 154 complaints against Debt Co LLC to date, of which 80 came in over the last 12 months.
Does Debt Co LLC respond to complaints on time?
Debt Co LLC's CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Debt Co LLC?
Among all products tied to Debt Co LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Debt Co LLC?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Debt Co LLC - see all issues and counts above.
How do I file a complaint against Debt Co LLC?
You can file a complaint against Debt Co LLC 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 Co LLC?
Debt Co LLC has drawn CFPB complaints from 29 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~154)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.