# Debt 0, Inc: 18 CFPB complaints, last 3 years

Updated November 10, 2026.

Debt 0, Inc drew 18 consumer complaints in the CFPB database in the three years to November 9, 2026, and 29 since 2017. The largest group, 15, was about debt or credit management, and the most common issue was “Didn't provide services promised” with 7. The company responded on time to 100.0% of the complaints, and 50.0% closed with monetary or other relief. The CFPB records the company as DEBT 0, INC.

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

- Complaints, last 3 years: 18
- Complaints, all years: 29
- Responded on time: 100.0%
- Closed with relief: 50.0%
- Products: 2
- Latest received: Sep 21, 2026

## Complaints by year

Every year the CFPB database holds for this company, by the date received.

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 4 |
| 2025 | 7 |
| 2024 | 4 |
| 2023 | 4 |
| 2021 | 2 |
| 2020 | 1 |
| 2019 | 1 |
| 2018 | 2 |
| 2017 | 4 |

## Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

| Product | Complaints | Share |
| --- | --- | --- |
| [Debt or credit management](https://specstream.ai/data/consumer-complaints/product/debt-or-credit-management) | 15 | 83.3% |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 3 | 16.7% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Didn't provide services promised | 7 | 38.9% |
| Confusing or misleading advertising or marketing | 3 | 16.7% |
| Unauthorized withdrawals or charges | 3 | 16.7% |
| Charged upfront or unexpected fees | 2 | 11.1% |
| Attempts to collect debt not owed | 1 | 5.6% |
| Took or threatened to take negative or legal action | 1 | 5.6% |
| Written notification about debt | 1 | 5.6% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Closed with explanation | 9 | 50% |
| Closed with monetary relief | 9 | 50% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [Florida](https://specstream.ai/data/consumer-complaints/state/florida) | 11 | 61.1% |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 4 | 22.2% |
| [Georgia](https://specstream.ai/data/consumer-complaints/state/georgia) | 2 | 11.1% |
| [Minnesota](https://specstream.ai/data/consumer-complaints/state/minnesota) | 1 | 5.6% |

## Latest 18 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| September 21, 2026 | Debt or credit management | Charged upfront or unexpected fees | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/27898186) |
| July 28, 2026 | Debt or credit management | Didn't provide services promised | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/24694581) |
| May 13, 2026 | Debt or credit management | Charged upfront or unexpected fees | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/22163438) |
| March 10, 2026 | Debt or credit management | Confusing or misleading advertising or marketing | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20132673) |
| December 31, 2025 | Debt or credit management | Unauthorized withdrawals or charges | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18395019) |
| December 3, 2025 | Debt collection | Written notification about debt | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/17693318) |
| October 20, 2025 | Debt or credit management | Didn't provide services promised | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/16702173) |
| August 20, 2025 | Debt or credit management | Didn't provide services promised | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/15417707) |
| April 16, 2025 | Debt or credit management | Confusing or misleading advertising or marketing | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13013403) |
| March 10, 2025 | Debt or credit management | Didn't provide services promised | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/12406467) |
| January 7, 2025 | Debt or credit management | Unauthorized withdrawals or charges | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11414121) |
| December 19, 2024 | Debt or credit management | Confusing or misleading advertising or marketing | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/11215706) |
| November 13, 2024 | Debt collection | Attempts to collect debt not owed | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10785147) |
| October 16, 2024 | Debt or credit management | Didn't provide services promised | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/10474861) |
| June 1, 2024 | Debt or credit management | Unauthorized withdrawals or charges | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/9157365) |
| December 13, 2023 | Debt or credit management | Didn't provide services promised | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/7987505) |
| November 28, 2023 | Debt collection | Took or threatened to take negative or legal action | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/7915817) |
| November 22, 2023 | Debt or credit management | Didn't provide services promised | Closed with monetary relief | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/7889429) |

## Also on SpecStream

- [Every company with Debt or credit management complaints](https://specstream.ai/data/consumer-complaints/product/debt-or-credit-management)
- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Consumer complaints in Florida](https://specstream.ai/data/consumer-complaints/state/florida)
- [Consumer complaints in Texas](https://specstream.ai/data/consumer-complaints/state/texas)
- [Consumer complaints in Georgia](https://specstream.ai/data/consumer-complaints/state/georgia)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/consumer-complaints/). Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB.

Free to reuse with credit to SpecStream under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/).