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 2026-08-14
- 154
- Total complaints
- Mid-range
- 80
- Last 12 months
- 100%
- Timely response
- Top decile
- 29
- States affected
The verdict
Debt Co LLC ranks #1085 of 3,843 financial companies by CFPB complaint volume, with 154 complaints on record. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #1085
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Debt collection
- most-complained product
- 29
- 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 Co LLC 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 26 in 2024 to 55 in 2025 (2024 → 2025).
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 |
| 2026year in progress | 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 posts a 100% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, 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, 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 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.
Also handles Debt collection
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.