Complaints
This profile includes complaints for InDebted USA, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 55 total complaints in the last 3 years.
- 41 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:10/22/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I ordered a scooter for My disabled veteran husband. Afterpay was offered as 4 payments which I chose. I paid 2 payments to Afterpay, but still had not received the product. I started to investigate and found out this transaction was a fraud and was being backed by afterpay. I filed a complaint with the ************************ and the *** to investigate. I filed a dispute with my credit card company and my 2 payments was returned to me because it was a fraud case which afterpay was involved in. Thought it was resolved and after a year I started receiving a letter from a debt collector Indebted. I have called them and explained all this to them, but they continue to send me emails demanding payment of $157.98. THIS WAS FRAUD! I am not paying this and any further communication from Afterpay and INDEBTED will be investigated by authorities.
Business Response
Date: 10/29/2025
BBB Complaint ID: ********
Original Creditor: Afterpay
Account Reference: ***********
Hi *******,
InDebted, **********. (InDebted) has investigated your complaint raised on October 22, 2025, regarding the above-referenced account. Thank you for the opportunity to review and respond.
InDebted is a collection agency, servicing this account on behalf of its Client, Afterpay. Our records indicate that Afterpay placed this account with our office on January 30, 2024, and we sent our Notice of Assignment on July 16, 2025.
As part of your complaint, you expressed your refusal to pay and requested that InDebted cease contacting you regarding this account. In accordance with your request, InDebted has applied a Cease-and-Desist status and returned the account to Afterpay. Should you require further assistance, we encourage you to contact them directly at ***********************************************
Sincerely,
****** *******
InDebted USA, Inc.
This communication is from a debt collector.Customer Answer
Date: 10/30/2025
Better Business Bureau:
I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution.
Sincerely,
******* ******Initial Complaint
Date:10/21/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I'm applying for a loan and needed to pay off a debt from ******. ****** confirmed debt was transferred to Indebted. I reached out on 10/10/25 with an urgent need to pay the $199.00 item off and receive a receipt. With only a VM or Email available for communication for US customers. I received an email from a Representative on 10/14 asking to verify. I replied and verified. 10/17 they tell me I cannot be verified. I reached out again asking for any kind of help so I can pay. Sent 2 other emails, voicemails and another online inquiry. I've even attempted to reach out to Affirm again, and I can't seem to get immediate or any assistance to simply pay this bill. I even found it concerning that this is reported on my credit, but I cannot be verified with the last 4 of my SSN.Business Response
Date: 10/28/2025
BBB Complaint ID: ********
Current Creditor: Affirm US
Customer Reference Number: xxxx-xxxx-EMRI
Hi Monet,
Thank you for giving us the opportunity to review and respond to your complaint submitted on October 21, 2025, regarding the above-referenced account.
Following our investigation, we have confirmed that the account has since been settled. We appreciate your payment and consider this matter resolved.
Should you have any further questions or concerns regarding the account, we kindly ask that you contact Affirm directly for additional assistance.Sincerely,
****** *******
InDebted USA, Inc.
This communication is from a debt collector.
The Companys NMLS ID for *********** is 908487Initial Complaint
Date:10/20/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 12/22/2024, I received notification from InDebted that they are partnering with ************** regarding my credit debt with *********. They offered me a 30% discount from the original $974.53 to which I agreed. The settlement offer of $682.17 was to begin in January & end in July. I agreed to make automatic debit payments of $100 on the 11th of each month. All payments were satisfied under this settlement agreement, with my last payment posting on 7/14/2025 for $82.17. I have a plethora of emails from Indebted stating that the agreement was satisfied & there was quote no further payments needed on this plan Fast forward to an email I received from Midland Credit on 10/19/2025 stating that I had an outstanding balance of $292.36 and there was no agreement with InDebted on file. I am highly upset! I have spoken with a supervisor at ************** who has filed a dispute on my behalf. If this dispute is not honored, I will be seeking legal assistance. This is not right!Business Response
Date: 10/27/2025
BBB Complaint ID: ********
Current Creditor: *******************************
Customer Reference: *********
Hi ******,Thank you for giving us the opportunity to review and respond to your complaint submitted on October 20, 2025, regarding the above-referenced account.
We understand that your complaint includes a request for confirmation of payment from ******************************. Upon receipt of your complaint, InDebted promptly notified our client and initiated an investigation. We informed ******************************* of your payment and advised that the account should now be updated and closed as Settled-in-Full.
Please be assured that the payment has been remitted to *******************************, and the Paid Letter provided by InDebted serves as sufficient proof of settlement. Should you require any further assistance, you may contact us at ********************************************************** or by phone at **************.
Sincerely,
**** ********
InDebted USA, Inc.
This communication is from a debt collector.Customer Answer
Date: 10/28/2025
Better Business Bureau:
I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution.
Sincerely,
****** *****Initial Complaint
Date:10/08/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Indebted claims I owe them $90 dollars and keeps sending emails and text messages. I have reached out to ******* and they state I dont owe them and I have never owed them indebted however, was taking every weekly deposit from my check of $50 and leaving it in the negative if I was to have a amount that I owe the casino, they would take it from my winnings every time I do not owe in debt because I do not owe FanDuel. I need a refund from what theyve taken and they need to remove what they say I owe because I dont.Business Response
Date: 10/14/2025
BBB Complaint ID: ********
Current Creditor: Trustly (FanDuel payments partner)
Account References: ********** and XXXXXX1980
Dear ******,
InDebted has completed its investigation into the complaint you submitted on October 8, 2025, regarding the above-referenced accounts. We appreciate the opportunity to review your concerns and provide a response.
InDebted is a collection agency, servicing these accounts on behalf of its Client, Trustly. Our records indicate that Trustly placed these accounts with our office on April 19, 2025, and we sent our Notice of Assignment on the same day, April 19, 2025.
In your complaint, you stated that you are disputing the debt and alleged that InDebted had taken payments from your account. In accordance with your claim, InDebted promptly notified our client, Trustly, and requested supporting documentation to validate the account. We have since received
verification from Trustly, and the relevant documents are enclosed with this response for your review.
Following an internal review, InDebteds transaction records confirm that we have not processed, attempted to process, or received any payments from your account. ********************** does not have access to your banking information and has no capability to initiate any direct debit or withdrawal.
According to our client, Trustly, their records indicate that their service was used with FanDuel through your ***************************** (MI) account and the funds were instantly credited to your FanDuel gaming wallet. However, when Trustly attempted to collect payment from your bank
account (as instructed by the merchant FanDuel), the transaction was returned with an error indicating insufficient funds, which resulted in a failed collection attempt.
Trustly further advised that these transactions occurred on March 26, 2025, and were returned as uncollected on March 27, 2025. Retry attempts were made on March 28, 2025, and April 4, 2025, but were also unsuccessful. Between June 13, 2025, and September 21, 2025, additional attempts to deposit funds into your FanDuel account using **************** were denied due to the outstanding balance owed to Trustly.
Please note that **************** model credits the merchants account immediately upon transaction initiation. The corresponding debit from the consumers bank account may take 13 business days (excluding weekends and holidays) to reflect, depending on the banks processing timeline.
If you have further questions regarding the underlying transaction or your account, we respectfully encourage you to contact Trustly directly for additional clarification.
Unless we receive additional information or supporting documentation from you, please be advised that collection activity on this account will resume two weeks from the date of this response. If you need further support, you can contact us at ********************************************************** or at **************.
Sincerely,
**** ********
InDebted USA Inc.
This communication is from a debt collector.Initial Complaint
Date:10/07/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Received an invoice from the company stating that a bill total of ****** is due. No purchase agreement was initiated or authorized with this company, and no services were received.Business Response
Date: 10/14/2025
BBB Complaint ID: ********.
Current Creditor: Klarna
Customer Reference: XXXXXXXX-XXXX- XXXX - XXXX - XXXXXXXX06a9
Hi *************************************** has investigated your complaint raised on October 7, 2025, regarding the above-referenced account. Thank you for the opportunity to review and respond.
As part of your complaint, you disputed ownership of the debt, stating that the service associated with this account was not provided. In response, InDebted promptly notified our client, Klarna, for their review.
Please note that all collection activity has been ceased, and that the account has been returned to ******. For any further questions or additional assistance, we respectfully encourage you to contact Klarna directly.
Sincerely,
**** ********
InDebted USA, Inc.
This communication is from a debt collector.Customer Answer
Date: 10/16/2025
Complaint: 23983299
I have reviewed the business' response and am rejecting it because:
Not resolved. Please confirm that the company will not contact further or send any billing invoice, as there should not be any balance due with this company. No service was authorized or received.
Sincerely,
*** *****Initial Complaint
Date:10/06/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Indebted continues to contact me (******* *******) about a debt for a woman named ****** in *********. I have never lived, or accrued debt, in Missourri.I've contacted the debt agent (***** *******) numerous times explaining this and never received a reply. Their customer service phone number leads you in circles and never connects to a person.I want them to remove my contact information from an account that is not associated with me.Business Response
Date: 10/13/2025
Hi *******,
InDebted USA, Inc. has investigated your complaint received on October 6, 2025, regarding the above-referenced account. Thank you for the opportunity to review and respond.
As part of your complaint, you disputed ownership of the debt and informed us about the wrong contact information. In response, InDebted promptly ceased all collection activities.
We have removed your contact details from our database and permanently ceased all collection efforts on this account. Should you require any further assistance, you may contact us at ********************************************************** or by phone at **************.
Sincerely,
**** ********
InDebted USA, Inc.
This communication is from a debt collector.Customer Answer
Date: 10/14/2025
Better Business Bureau:
I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution.
Sincerely,
******* *******Initial Complaint
Date:10/04/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I received and email on October 1st from this company asking that I pay them for an overdue balance for another company called *********** I googled Affirm and found out it's a partial payments company which I don't have an account with. I've asked InDebted to provide me an invoice of the transaction from Affirm and contact information for Affirm as I don't have an account with them. I pulled a credit report from Experian and it does not state any missed or outstanding payments. I looked at Affirms policy and they report transactions to Experian. As such none were evident in my report I believe Indebted is fraudulently trying to coerce money out of me.Business Response
Date: 10/10/2025
Hi ******,
InDebted USA, Inc. has investigated your complaint received on October 4, 2025, regarding the above-referenced account. Thank you for the opportunity to review and respond.
As part of your complaint, you disputed ownership of the debt on the basis of fraud. In response, InDebted promptly ceased all collection activities and has raised a dispute with our client, Affirm, for their review and verification.
We have removed your contact details from our database and permanently ceased all collection efforts on this account. Should you require any further assistance, you may contact us at ********************************************************** or by phone at **************.
Sincerely,
**** ********
InDebted USA, Inc.
This communication is from a debt collector.Initial Complaint
Date:10/04/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Indebted sent me an email claiming I owe their client Affirm $1,123.36. My balance with Affirm is $100. And I always use autopay to ensure my payments are on time. I've never been behind on any payments to Affirm. This debt is not in my credit report or in my Affirm account so it seems like a scam.Business Response
Date: 10/10/2025
Hi *****,
InDebted USA, Inc. has investigated your complaint received on October 4, 2025, regarding the above-referenced account. Thank you for the opportunity to review and respond.
As part of your complaint, you disputed ownership of the debt on the basis of fraud. In response, InDebted promptly ceased all collection activities and has raised a dispute with our client, Affirm, for their review and verification.
We have removed your contact details from our database and permanently ceased all collection efforts on this account. Should you require any further assistance, you may contact us at ********************************************************** or by phone at **************.
Sincerely,
**** ********
InDebted USA, Inc.
This communication is from a debt collector.Initial Complaint
Date:10/02/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I received an email from InDebted on October 1, 2025 regarding $162.50 debt owed to Deferit. I have never borrowed money from Deferit and had never even heard of this company until I received this email. This is clearly a fraudulent charge or a scam. I want immediate confirmation that this has been removed from their system, or evidence from the company that I may use to submit a complaint to the police to pursue fraud charges against whoever borrowed this money in my name. I am an attorney and will take this to court if necessary.Customer Answer
Date: 10/02/2025
Im receiving more emails with bogus debt from InDebted - see attachedBusiness Response
Date: 10/07/2025
Hi *******,
InDebted USA, Inc. has investigated your complaint received on October 2, 2025, regarding the above-referenced account. Thank you for the opportunity to review and respond.
As part of your complaint, you disputed ownership of the debt on the basis of fraud. In response, InDebted promptly raised a dispute with our client, Deferit, for their review and verification.
Additionally, in your email received on October 2, 2025, you requested that InDebted cease all collection activities. In accordance with your request, we have removed your contact details from our database and permanently ceased all collection efforts on this account.
Should you require any further assistance, you may contact us at ********************************************************** or by phone at **************.
Sincerely,
**** ********
InDebted USA, Inc.
This communication is from a debt collector.Initial Complaint
Date:09/20/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
To Whom It May Concern,I am writing to formally notify you that I do not owe any debt to KeyBank in the amount of $419.02, or in any amount.On November 21, 2023, I filed a lawsuit against ******* (Case No. 23SC34572, filed in Clackamas County Courts). On April 23, 2024, we entered court mediation, during which both parties came to a binding agreement that the alleged debt would be removed from my credit reports. ******* complied, and as part of the agreement, both parties dismissed the case after signing the terms.Therefore, no such debt exists.This letter serves as my final cease and desist notice. You are to immediately stop all collection activity and refrain from placing any reference to this alleged debt on my credit reports.If you disregard this notice and attempt to report or pursue this invalid debt, I will file a civil lawsuit in Clackamas County Courts against InDebted USA, Inc. for violations of the Fair Debt Collection Practices Act (FDCPA) and any other applicable laws.I expect your full compliance.Sincerely,Lavascia AmiriCustomer Answer
Date: 09/20/2025
Proof of Court CaseBusiness Response
Date: 09/26/2025
Hi Lavascia *****,
InDebted USA **** has completed its investigation into the complaint you submitted on September
20, 2025, regarding the above-referenced account. We appreciate the opportunity to review your
concerns and provide a response.
InDebted is a collection agency servicing this account on behalf of our client, ****************
Association. Our records indicate that **************************** placed this account with our
office on August 4, 2025, and we sent our Initial ******* Letter on September 4, 2025. Kindly note
that InDebted does not furnish information to the credit reporting agencies, nor has InDebted
accessed your credit information.
As part of your complaint, you disputed the existence of this debt and requested that InDebted
cease contacting you regarding this account. In response to your request, InDebted has applied a
cease-and-desist status and returned the account to ****************************. No further
collection activity will be conducted by InDebted on this account. For any further questions or
assistance, we respectfully encourage you to contact **************************** directly.
Sincerely,
**** ********
InDebted USA, Inc.
This communication is from a debt collector.Customer Answer
Date: 09/27/2025
Better Business Bureau:
I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution.
Sincerely,
Lavascia Amiri
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