Gatestone & Co. is a collection company whose U.S. collecting entity is Gatestone & Co. International Inc. Its payment website lists offices in Omaha, Nebraska; Fredericksburg, Virginia; Toronto; and Belize City, and holds collection licenses in many states.
- Type
- Collection agency
- Also known as
- Gatestone & Co. International Inc.; Gatestone & Co. Inc.; Gatestone
- Phone numbers it lists
- (800) 900-4238
- Website
- gatestoneco.com
41 debt collection complaints were sent to the Consumer Financial Protection Bureau about Gatestone & Co. International Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Gatestone & Co.?
Gatestone & Co. is a collection company that operates in both the United States and Canada. Its consumer website, gatestoneco.com, is a bill payment portal in English and French that identifies its messages as coming from a debt collector. The site's state disclosures use the names Gatestone & Co. Inc. and, in the Nevada section, Gatestone & Co. International Inc., the name under which the CFPB records consumer complaints.
Those disclosures list offices at 7015 L Street in Omaha, Nebraska; 10300 Spotsylvania Avenue in Fredericksburg, Virginia; 1500 Don Mills Road in Toronto, Ontario; and Belize City, Belize, along with a Wilmington, Delaware address. They also list collection licenses or registrations in California, Connecticut, Nevada, New York City, North Carolina, Oregon, Tennessee, Washington and other jurisdictions. The Better Business Bureau also has U.S. listings for Gatestone & Co. International Inc. in Phoenix, Arizona and Buffalo, New York. We did not find a CFPB enforcement action against Gatestone.
Why Gatestone & Co. May Be Contacting You
Gatestone's payment site does not say which creditors or industries it collects for. If Gatestone contacts you, your letter, email or text should name the creditor and give a reference number, which the payment site uses to look up an account. The general number in its state disclosures is (800) 900-4238. The site also offers an email unsubscribe option handled by an affiliate, Gatestone & Co. Contact Centres Inc.
How to Check a Debt Gatestone & Co. Says You Owe
With a company that works across borders and through several affiliates, confirm exactly who is collecting and for whom.
- Get the validation notice. Gatestone must name the creditor and itemize the debt (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if you don't recognize the account. Ask which Gatestone entity is collecting and which office is handling your file.
- Verify the creditor independently by calling the original company using a number from your own records before you pay through any link.
- Check whether the account was sold and to whom.
- Mind the deadline. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different periods.
What Gatestone & Co. Can and Can't Do
A company that collects U.S. consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6), even when its staff work from offices outside the United States.
- Emails and texts must include a clear way to opt out (12 C.F.R. § 1006.6(e)); see can debt collectors text or email me?
- It may not call before 8 a.m. or after 9 p.m. in your time zone, wherever the caller is located (15 U.S.C. § 1692c(a)(1)).
- It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
- It may not misrepresent who it is or who owns the debt (15 U.S.C. § 1692e(2)(A), (14)).
If its collection seemed improper, see our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Gatestone & Co. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Gatestone: payment site
- Gatestone: Know Your Rights (state disclosures)
- BBB business profile: Gatestone & Co. International Inc
- CFPB enforcement actions search: Gatestone
- CFPB Consumer Complaint Database: Gatestone & Co. International Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Gatestone & Co. has violated any law. Company details change; tell us if something here is out of date.