833-228-0525 is a known phone number of D2 Management, LLC, a debt collection agency. You are likely on their list because you have a debt with one of their creditor clients or they purchased your debt as part of a portfolio.
Keep reading to learn how to stop these calls for good.
Here’s a quick rundown of the company:
D2 Management, LLC
Third-party debt collection agency and debt buyer: Yes
Address: 2894 Argent Blvd, Ridgeland, SC 29936
Call Center Location: Greenville, SC
In business since: 2011
Company size: Approximately 20-50 employees
Owner: Privately-held, family-owned (Nicholas Nathan Dzendzel and Patrick Dzendzel)
Creditor clients: Ace Cash Express, HSN (Home Shopping Network), World Finance, Personify Financial
Industry specialties: Payday loans, consumer finance, retail credit
BBB Rating: A (accredited since 2015) but with 52 complaints in the last 3 years and an average customer review score of 1/5 stars
CFPB Complaints: 93+ complaints filed between 2014 and 2021
Alternate phone number: (888) 418-3689 (833-228-0525 is the number widely attributed to consumers)
There are 145+ complaints about D2 Management across the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) databases. Dozens more complaints can be found on phone lookup directories. The company has been a defendant in at least 10 federal and state lawsuits accusing the company of violating the FDCPA and the Telephone Consumer Protection Act (TCPA). In one case, Poskovic v. D2 Management, LLC, filed in 2019 in the Northern District of Ohio, D2 Management failed to appear in court and a default judgement was entered against them. A class-action TCPA lawsuit was also filed in the Eastern District of California for using an automatic telephone dialing system to place daily calls without consent.
In 2019, D2 Management was sued in the Northern District of Ohio. The company failed to appear and a default judgment was entered against them. A class-action lawsuit was also filed in the Eastern District of California for using an automatic telephone dialing system to place daily calls without consent.
These aren’t random occurrences. They’re predictable outcomes when a company decides to operate a business model that views consumer complaints and a bad reputation as the cost of doing business.
Why is D2 Management calling me? What are debt files and how do they end up at collection agencies?
When an original creditor determines it is unlikely to collect a debt on its own, it may sell or assign the account to a third-party collection agency like D2 Management. Debt buyers purchase accounts like these for pennies on the dollar, often in massive portfolios that can include thousands of individual debt files. That means D2 Management may have paid a small fraction of what they’re trying to collect from you, and the information on your file may have been transferred several times before it reached them.
The collection industry prioritizes the quantity of collection attempts over the quality of the information in each file. This creates inherent flaws in the system where people are called about debts they’ve already paid, debts that belong to someone else entirely, or debts that are past the statute of limitations in their state.
Why don’t I recognize this debt?
D2 Management collects for payday lenders, consumer finance companies, and retail creditors. If you’ve ever taken out a short-term loan, financed a purchase through HSN, or used Personify Financial or World Finance, your account may have been assigned to this agency. One consumer on 800notes reported getting a call from 833-228-0525 about a car purchase debt from 2007 that was already paid. A CFPB complainant said D2 Management was trying to collect a debt that had been sold after the statute of limitations expired.
If the debt isn’t yours or if you’ve already paid it, that doesn’t mean the calls will magically stop. It means there’s incorrect information circulating in the debt collection ecosystem and you need to dispute it.
What are other consumers saying about these calls?
Callers won’t identify themselves
The #1 complaint about 833-228-0525 is that the callers won’t identify the company they represent or give any details about why they’re calling other than to say it’s urgent. The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to identify themselves and the company they represent. Consumers who receive calls from 833-228-0525 report the opposite experience.
One consumer on 800notes shared the voicemail message he received: “Said (in a very urgent tone as if I needed to call back quickly) ‘This is Alan, I’m not sure if you know about the situation that’s going on in my office right now, but please call me when you get this message so we can get this taken care of.’” There was no company name provided. Another consumer on the same site reported getting the same message from a different caller.
Under the FDCPA, you have the right to know who’s calling you and why. When a debt collector won’t give you that information, something is wrong. It might even be illegal.
They demand personal and financial information
Consumers report that callers from 833-228-0525 want their Social Security number, home address, employer information, and other details before they’ll explain why they’re calling. One consumer on WhoCallsMe shared his experience: “Stated that her name was Nikki Redding and that she had to talk to me about a urgent matter. Then proceeded to ask me where I worked, home address, SSN number and home number. But would not tell me why she was calling me.”
In January 2026, a BBB complainant described the same scenario: “The lady became more irate and demeaning… they refused to send me anything regarding the legitimacy of this debt… it is extremely concerning that this company uses scare tactics and demands settlement immediately on top of giving out people’s personal information without identifying who they are speaking to.” You don’t have to give personal or financial information to anyone who calls you out of the blue. Full stop.
Third-party contact and workplace harassment
Many of the complaints about 833-228-0525 come from people who aren’t the alleged debtor. D2 Management frequently contacts family members, spouses, and personal references. A September 2025 BBB complaint includes this detail: “D2 Management contacted my personal references within 2 minutes of their initial call to me, before they sent any written communication.” A CFPB complaint describes workplace harassment: “D2 Management contacted my place of employment and harassed me and my coworkers.” The FDCPA has very specific rules about when and why a debt collector can contact third parties. In general, they can only contact a third-party once, and only for location information. They’re not supposed to discuss the debt at all.
What are my rights under federal law?
What the FDCPA says debt collectors have to do
The FDCPA isn’t a passive shield for consumers to hide behind. It’s an active sword you can use to protect yourself. The law says a debt collector has to identify themselves and their company on every call. They have to send written validation of the debt within 5 days of the initial contact. They have to cease all collection activity if you dispute the debt in writing within 30 days until they provide verification. They can’t threaten legal action if they don’t intend to follow through. They can’t call you at work if you tell them your employer prohibits it. They can’t use obscene language or call at odd hours or misrepresent the amount you owe. Every single one of these provisions is a tool in your toolbox. The question is whether you know how to use them.
What the FCRA says you can dispute
The Fair Credit Reporting Act (FCRA) gives you the right to dispute any information on your credit report you believe is inaccurate, incomplete, or unverifiable. When you file a dispute, the credit reporting agency has to investigate within 30 days. If the entity reporting the information (in this case, D2 Management or their client), can’t verify the account with documentation, it has to be removed from your report.
This is where the debt collection business model actually works to your advantage. Since collection agencies deal in such high volumes of purchased debt and don’t have a lot of documentation for the accounts, they frequently can’t verify accounts when consumers dispute them. The same business model that makes them so aggressive on the phone makes them incredibly vulnerable on paper.
How do I get D2 Management to stop calling me?
Step 1: Get your credit reports
Before you do anything else, get copies of your credit reports from all three credit bureaus: Equifax, Experian, and TransUnion. You can request them for free at AnnualCreditReport.com. Look to see if you have any accounts in your report from D2 Management, LLC or from any of the original creditors this agency collects for, such as Ace Cash Express, World Finance, HSN, or Personify Financial.
Your credit report is the most important document you’ll need for this process. It will show you exactly what D2 Management has reported, when they reported it, and how much they’re claiming you owe. Think of it as reconnaissance. You need to see exactly what’s on your report before you can challenge it.
Step 2: Dispute inaccurate or unverifiable information
If D2 Management has put a collection account on one or more of your credit reports, you have the right to dispute it. File a formal dispute with each credit bureau that shows the account, and they will contact D2 Management to verify the debt. If they can’t provide the documentation, the account has to be deleted.
In several responses to BBB complaints, D2 Management has said it doesn’t report to the credit bureaus. If that’s the case, the phone calls are their only leverage. A company that doesn’t report to the bureaus and doesn’t have the documentation to verify the debt has very little motivation to continue pursuing you, especially since the cost of a lawsuit typically exceeds the value of most small consumer debts.
Why you need professional help
Filing a dispute sounds easy, and technically anyone can do it. But the reality is that collection agencies respond to disputes with form letters, partial documentation, and procedural foot-dragging designed to wait out the average consumer. One misstep, such as inadvertently acknowledging the debt or re-starting the statute of limitations clock, can make things worse.
Advocacy companies that specialize in credit report disputes understand the documentation requirements for the bureaus, the verification obligations for collectors, and the escalation procedures for when an initial dispute is denied. The difference between a DIY dispute and a professionally-managed one can be the difference between a form-letter denial and a permanent deletion.
Take matters into your own hands
The calls aren’t going to stop on their own
D2 Management, LLC has a documented history of calling consumers aggressively and persistently. This is a company whose business model doesn’t depend on your good will or your satisfaction. It depends on calling as many consumers as possible and intimidating a certain percentage into paying up. A 1-star BBB review average and 145 combined complaints at the CFPB and BBB haven’t changed their behavior because the company’s revenue doesn’t come from consumers. It comes from their creditor clients.
The only variable that can change the equation is you. The FDCPA and FCRA exist because lawmakers recognized that consumers need a way to fight back against debt collection tactics like the ones described in this article.
Get help from FightCollections.com
FightCollections.com is a consumer advocacy company that specializes in helping people dispute invalid collection accounts on their credit reports. If you’re getting calls from D2 Management at 833-228-0525, we can help you review your credit reports to identify any inaccurate or unverifiable collection accounts and manage the dispute process for you.
You don’t have to navigate this on your own, and you don’t have to keep answering your phone. Head over to FightCollections.com today to find out how we can help you take the next step.