CFPB · Single-product concentration
Io, Inc.
741 CFPB complaints · 83.5% in "Debt collection" · top issue Attempts to collect debt not owed.
Io, Inc.: 83.5% of 741 CFPB complaints sit in "Debt collection". Timely 95.1% · relief 1.9%. Allegations, not findings.
- Single-product concentration
- +5100% filings 2013 to 2026
CFPB relief outcome brief
CCDB company io-inc
1.9% relief · 95.1% timely · 741 filings · Debt collection
Same-product relief peers
Nearest relief peer: Capital Accounts, LLC (1.9% relief)
Io, Inc. closes 1.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Io, Inc. scores strongest on timely response (91/100 percentile-benchmarked) and weakest on relief provided (9/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
9 / 100 percentile-benchmarked
1.9% of complaints closed with relief to the consumer
Timely response
91 / 100 percentile-benchmarked
95.1% of complaints answered inside the CFPB 15-day window
Closed with explanation
84 / 100 percentile-benchmarked
91.5% of complaints closed with an explanation to the consumer
Most of Io, Inc.'s 741 filings include narrative text
43.2% 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.
Io, Inc. complaint mix by product
- Debt collection 619 83.5% – 2% relief
- Credit reporting, 74 10.0% – 0% relief
- Credit reporting 43 5.8% – 0% relief
- Debt or 3 0.4% – 0% relief
- Credit reporting 1 0.1% – 0% relief
- Checking or 1 0.1% – 0% relief
How Io, Inc.'s 741 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 619 |
| Credit reporting, credit repair services, or other personal consumer reports | 74 |
| Credit reporting or other personal consumer reports | 43 |
| Debt or credit management | 3 |
| Credit reporting | 1 |
| Checking or savings account | 1 |
Where Io, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- VA
- 34.3% of this company's filings
Io, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 52
- +5100% vs 2013
Top States
| State | Complaints |
|---|---|
| VA | 254 |
| MD | 192 |
| TX | 103 |
| PA | 76 |
| GA | 24 |
| NJ | 15 |
| DC | 11 |
| FL | 11 |
| NC | 10 |
| SC | 9 |
| CA | 7 |
| DE | 4 |
| MO | 3 |
| NY | 3 |
| AR | 3 |
| MN | 2 |
| WA | 2 |
| KY | 1 |
| RI | 1 |
| VT | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 257 |
| Written notification about debt | 157 |
| False statements or representation | 74 |
| Incorrect information on your report | 53 |
| Cont'd attempts collect debt not owed | 51 |
| Took or threatened to take negative or legal action | 33 |
| Problem with a credit reporting company's investigation into an existing problem | 27 |
| Disclosure verification of debt | 24 |
| Improper use of your report | 19 |
| Communication tactics | 19 |
| Problem with a company's investigation into an existing problem | 17 |
| Improper contact or sharing of info | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Didn't provide services promised | 1 |
| Unauthorized withdrawals or charges | 1 |
| Confusing or missing disclosures | 1 |
| Incorrect information on credit report | 1 |
| Identity theft protection or other monitoring services | 1 |
| Managing an account | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 15 | 93.3% |
| 2015 | 21 | 100% |
| 2016 | 32 | 100% |
| 2017 | 52 | 100% |
| 2018 | 46 | 100% |
| 2019 | 56 | 100% |
| 2020 | 71 | 83.1% |
| 2021 | 124 | 81.5% |
| 2022 | 72 | 100% |
| 2023 | 43 | 100% |
| 2024 | 57 | 100% |
| 2025 | 99 | 100% |
| 2026 | 52 | 100% |
Source: CFPB Consumer Complaint Database
Io, Inc. filings cluster in one product
Io, Inc.'s 741 logged complaints stay concentrated: only 27 states show a filing. 43.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-10.
Io, Inc. answers 95.1% of complaints inside the CFPB's tracked window and closes 91.5% with a written explanation. 1.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
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 Io, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Io, 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: 741.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 95.1%.
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 Io, Inc. (95.1% timely; 1.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration