What is the most common complaint against F&M Capital LLC?

The most common issue consumers report about F&M Capital LLC is "Threatened to contact someone or share information improperly", specifically "Talked to a third-party about your debt". This is based on 22 complaints filed with the CFPB.

Are complaints against F&M Capital LLC increasing or decreasing?

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

What is F&M Capital LLC's reputation grade?

F&M 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 F&M Capital LLC respond to consumer complaints?

F&M Capital LLC has a 91% timely response rate to CFPB complaints.

In how many states does F&M Capital LLC operate?

F&M Capital LLC has received CFPB complaints from consumers in 14 states, with the most complaints from California (4 complaints).

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

F&M Capital LLC - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade D.

Compiled by PlainCollector

Threatened to contact someone or share information improperly

7
Took or threatened to take negative or legal action

5
Communication tactics

4
Attempts to collect debt not owed

3
Written notification about debt

2
False statements or representation

1

Data updated September 2026

CFPB complaint disposition

CCDB record f-m-capital-llc F&M Capital LLC

Grade D · 22 CFPB filings · 91% timely · lead issue: Threatened to contact someone or share information improperly · vol #1806 · compose #3623

VOL 22
GRADE D
12MO 0
STATES 14
TIMELY 91%
ISSUE Threatened to contact some…
RANK #1,806
COMPOSE #3,623

Volume peers

Nearest volume peer: Abrahamsen Ratchford, P.C (22 complaints)

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

F&M Capital LLC's 22 CFPB complaints sit next to Abrahamsen Ratchford, P.C 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

California is the plurality state for F&M Capital LLC (18.2%)

Volume rank #1,806 and composite rank #3,623 diverge by 1,817 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: California 18.2%; Mid-band (15–30%) · 14 states with ≥1 filing
Seasonal peak: 2014-02 10.5%; 8–15% band · 2 filings
Divergent corpus ranks: #1,806 volume; #3,623 composite; Cleanest-composite ladder is 1,817 places worse than volume

How does F&M Capital LLC compare to its peers?

How does F&M 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

F&M Capital LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

91%

82%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-02 2022-08

Issue Detail Breakdown

Issue	Complaints
Threatened to contact someone or share information improperly	7
Took or threatened to take negative or legal action	5
Communication tactics	4
Attempts to collect debt not owed	3
Written notification about debt	2
False statements or representation	1

Where do complaints against F&M Capital LLC come from?

F&M Capital LLC's own per-state count, not a national baseline.

California

4
North Carolina

3
Michigan

2
Arizona

1
Delaware

1
Florida

1
Illinois

1
Mississippi

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for F&M 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: 22.

4 peers

Know your rights before responding to F&M 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.