Total CFPB complaints
88
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 88 complaints
Delray Capital, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 28 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Delray Capital, LLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
27 complaints
- Communication tactics
Communication tactics
22 complaints
- False statements or representation
False statements or representation
15 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
13 complaints
- Improper contact or sharing of info 3
Improper contact or sharing of info
3 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
D
Grade D · 57.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Delray Capital, LLC?
Delray Capital, LLC has accumulated 88 total CFPB complaints across 28 states, with 0 filed in the most recent 12 months against 88 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 78% timely-response rate against a 7% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 28 states, led by Texas with 22 and California with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.1/100 places Delray Capital, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
28
Distinct state filings
Timely response rate
78%
Within CFPB SLA window
Consumer disputes
7%
After company response
Reputation grade
D
57.1/100 composite
Response-quality profile
How Delray Capital, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 78.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 13.8%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 50.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Delray Capital, LLC compare to its peers?
Delray Capital, LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2014-02 2019-07
Top Consumer Issues
Taking/threatening an illegal action27 (%)
Communication tactics22 (%)
False statements or representation15 (%)
Cont'd attempts collect debt not owed13 (%)
Improper contact or sharing of info3 (%)
Disclosure verification of debt2 (%)
Most common issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 23 |
| Communication tactics | Threatened to take legal action | 16 |
| False statements or representation | Impersonated an attorney or official | 10 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
| Communication tactics | Frequent or repeated calls | 6 |
| False statements or representation | Indicated committed crime not paying | 5 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 4 |
| Improper contact or sharing of info | Talked to a third party about my debt | 3 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
Where do complaints against Delray Capital, LLC come from?
The states where consumers have filed the most CFPB complaints against Delray Capital, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Delray Capital, LLC
Across 28 states with at least one filing
- Texas
Texas
22 complaints
- California
California
9 complaints
- Illinois 7
Illinois
7 complaints
- Florida 5
Florida
5 complaints
- Virginia 5
Virginia
5 complaints
- North Carolina 4
North Carolina
4 complaints
- New Mexico 4
New Mexico
4 complaints
- Missouri 3
Missouri
3 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Delray Capital, LLC's reputation grade? ▼
Delray Capital, LLC has a reputation grade of D (score: 57.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Delray Capital, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Delray Capital, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |