What is the most common complaint against Delray Capital, LLC?

The most common issue consumers report about Delray Capital, LLC is "Taking/threatening an illegal action", specifically "Threatened arrest/jail if do not pay". This is based on 88 complaints filed with the CFPB.

Are complaints against Delray Capital, LLC increasing or decreasing?

Complaints against Delray Capital, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Delray Capital, LLC's reputation grade?

Delray Capital, LLC has a reputation grade of D (score: 53.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Delray Capital, LLC respond to consumer complaints?

Delray Capital, LLC has a 78% timely response rate to CFPB complaints. Consumers disputed the company's response in 7% of cases.

In how many states does Delray Capital, LLC operate?

Delray Capital, LLC has received CFPB complaints from consumers in 28 states, with the most complaints from Texas (22 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Delray Capital, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 28 states, reputation grade D.

Compiled by PlainCollector

Taking/threatening an illegal action

28
Communication tactics

24
False statements or representation

15
Cont'd attempts collect debt not owed

14
Improper contact or sharing of info

4
Disclosure verification of debt

2

Data updated September 2026

CFPB complaint disposition

CCDB record delray-capital-llc Delray Capital, LLC

Grade D · 88 CFPB filings · 78% timely · lead issue: Taking/threatening an illegal action · vol #876 · compose #3621

VOL 88
GRADE D
12MO 0
STATES 28
TIMELY 78%
DISPUTE 7%
ISSUE Taking/threatening an ille…
RANK #876
COMPOSE #3,621

Volume peers

Nearest volume peer: Conrad Credit Corporation (88 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Delray Capital, LLC's 88 CFPB complaints sit next to Conrad Credit Corporation on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Texas is the plurality state for Delray Capital, LLC (25.0%)

Volume rank #876 and composite rank #3,621 diverge by 2,745 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 25.0%; Mid-band (15–30%) · 28 states with ≥1 filing
Seasonal peak: 2024-11 8.6%; 8–15% band · 3 filings
Divergent corpus ranks: #876 volume; #3,621 composite; Cleanest-composite ladder is 2,745 places worse than volume

How does Delray Capital, LLC compare to its peers?

How does Delray Capital, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Delray Capital, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

78%

64%

91%

Consumer-dispute ratelower is better

10%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-02 2026-03

Issue Detail Breakdown

Issue	Complaints
Taking/threatening an illegal action	28
Communication tactics	24
False statements or representation	15
Cont'd attempts collect debt not owed	14
Improper contact or sharing of info	4
Disclosure verification of debt	2
Took or threatened to take negative or legal action	1

Where do complaints against Delray Capital, LLC come from?

Delray Capital, LLC's own per-state count, not a national baseline.

Texas

22
California

9
Illinois

7
Florida

5
Virginia

5
New Mexico

4
North Carolina

4
Colorado

3

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Delray Capital, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 88.

4 peers

Know your rights before responding to Delray Capital, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.