CFPB · Narrative-heavy record
Debt 0, Inc
27 CFPB complaints · 48.1% with narratives · top issue Didn't provide services promised.
Debt 0, Inc: 48.1% of 27 filings include consumer narratives. Timely 100% · relief 40.7% · top product Debt or credit management. Allegations, not findings.
- Narrative-heavy record
- -50% filings 2017 to 2026
CFPB relief outcome brief
CCDB company debt-0-inc
40.7% relief · 100% timely · 27 filings · Debt or credit management
Same-product relief peers
Nearest relief peer: Credit Glory LLC (11.9% relief)
Debt 0, Inc closes 40.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Debt 0, Inc's 27 filings include narrative text
48.1% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Debt 0, Inc complaint mix by product
- Debt or 13 48.1% – 54% relief
- Debt collection 5 18.5% – 60% relief
- Credit reporting, 5 18.5% – 20% relief
- Money transfer, 3 11.1% – 0% relief
- Payday loan, 1 3.7% – 0% relief
How Debt 0, Inc's 27 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt or credit management | 13 |
| Debt collection | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 5 |
| Money transfer, virtual currency, or money service | 3 |
| Payday loan, title loan, or personal loan | 1 |
Concentrated filing states for Debt 0, Inc
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 70.4% of this company's filings
Debt 0, Inc falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 2
- -50% vs 2017
Top States
| State | Complaints |
|---|---|
| FL | 19 |
| TX | 4 |
| GA | 2 |
| MN | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Didn't provide services promised | 6 |
| Fraud or scam | 5 |
| Unauthorized withdrawals or charges | 3 |
| Confusing or misleading advertising or marketing | 3 |
| Attempts to collect debt not owed | 2 |
| Problem with customer service | 2 |
| Charged upfront or unexpected fees | 1 |
| Took or threatened to take negative or legal action | 1 |
| Written notification about debt | 1 |
| Confusing or missing disclosures | 1 |
| Problem when making payments | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 4 | 100% |
| 2018 | 2 | 100% |
| 2019 | 1 | 100% |
| 2020 | 1 | 100% |
| 2021 | 2 | 100% |
| 2023 | 4 | 100% |
| 2024 | 4 | 100% |
| 2025 | 7 | 100% |
| 2026 | 2 | 100% |
Source: CFPB Consumer Complaint Database
Debt 0, Inc's narrative-rich complaint ledger
Debt 0, Inc's 27 logged complaints stay concentrated: only 4 states show a filing. 48.1% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2017 through 2026-05-13.
Debt 0, Inc answers 100% of complaints inside the CFPB's tracked window and closes 59.3% with a written explanation. 40.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt or credit management" draws the most filings, most often for "Didn't provide services promised."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Debt 0, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Debt 0, Inc: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 27.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Debt 0, Inc (100% timely; 40.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record