Debt collector · complaint record
Top Line Collectors complaints
Filed under Top Line Collectors LLC
Consumers have filed 78 complaints about Top Line Collectors since 2025, 63 of them in the last 12 months (+320% on the year before). It answered 100% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Weak response record. How it works
- Complaints on record
- 78
- Last 12 months
- 63
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 3
- Rank
- #276 of 1,963
Since May 2025
+320% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 12, 2026
Most complained-about debt collectors
Top Line Collectors complaints by month
The busiest month was May 2026 (13 complaints). Complaints in the last 12 months are up 320% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Top Line Collectors answered last 12 months
- Closed with explanation6298.4%
- In progress11.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers0/400% closed with relief
- Complaint trend0/15+320% vs last year
What Top Line Collectors complaints are about
Top Top Line Collectors problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 11
- Debt was result of identity theft 6
- Debt was paid 3
Where Top Line Collectors complaints come from
Most complaints: New York (16), Georgia (7), Illinois (7), Pennsylvania (6), Florida (5).
Top Line Collectors compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | RockLoansDebt collection | 0 | 64 | F |
| 2 | FMA AllianceDebt collection | 97 | 64 | A |
| 3 | Grant & WeberDebt collection | 50 | 64 | C |
| 4 | The Best ServiceDebt collection | 57 | 64 | C |
| 5 | iQorDebt collection | 53 | 63 | C |
| 6 | Top Line CollectorsDebt collection | 45 | 63 | D |
| 7 | Mid-South AdjustmentDebt collection | 46 | 62 | D |
| 8 | Messerli & Kramer P.ADebt collection | 47 | 62 | D |
Compare side by side: Top Line Collectors vs RockLoans · Top Line Collectors vs FMA Alliance · Top Line Collectors vs Grant & Weber · Top Line Collectors vs The Best Service
What people say about Top Line Collectors
All experiencesNo experiences with Top Line Collectors yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Top Line Collectors complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 12, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Nov 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 27, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Oct 16, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 8, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Oct 5, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 1, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Oct 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 1, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 19, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Sep 16, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Sep 4, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
Questions about Top Line Collectors
How many complaints does Top Line Collectors have?
Top Line Collectors has 78 complaints on record since May 2025, including 63 in the last 12 months and 3 in the last 30 days. That makes it number 603 of every company by complaints this year.
Does Top Line Collectors respond to complaints?
Yes. Top Line Collectors answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 45/100 (grade D).
What do people complain about most with Top Line Collectors?
The most common problems are attempts to collect debt not owed (20), electronic communications (10), false statements or representation (8).
Is Top Line Collectors legit?
Top Line Collectors is a real company with a public complaint record: consumers have complained about it 78 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Top Line Collectors legit? for the signals, red flags and how to protect yourself.
Are complaints about Top Line Collectors going up or down?
Up. There were 63 complaints in the last 12 months against 15 in the 12 before (+320%). See every month.
How do I file a complaint against Top Line Collectors?
Complain to Top Line Collectors in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Top Line Collectors complaints come from?
Most come from New York (16), Georgia (7), Illinois (7). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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