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

CFPB complaint data Grade D 22 complaints

F&M Capital LLC - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade D.

Complaints by issue type

What consumers report about F&M Capital LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 22
  • GRADE D
  • 12MO 0
  • STATES 14
  • TIMELY 91%
  • ISSUE Threatened to contact some…
  • RANK #1,806
  • COMPOSE Not ranked

Volume peers

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

Abrahamsen Ratchford, P.CAbrahamsen Ratchford, P.C22Alliance Collection ServiceAlliance Collection Service22Apple Recovery, LLCApple Recovery, LLC22Asset Maximization Group, Inc.Asset Maximization Group, In…22F&M Capital LLC (this)F&M Capital LLC (this)22
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 →

How the 22 complaints break down

Every complaint issue type on record for F&M Capital LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.6/100
F&M Capital LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
22
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
91%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate N/A
N/A
No dispute rate reported.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#1,806 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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
0
3
268
Timely-response ratehigher is better
91%
82%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy F&M Capital LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 5 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 80%85%90%95%100%105% 0%20%40%60% Timely response rate (%) Dispute rate (%) F&M Capital LLC vs. 5 similar-volume peers, by response speed and dispute rate DOUGLAS, KNIGHT & ASSOCIATES, INC.Filings and Claims Inc.JUSTICE FINANCE COMPANYNewman, Hesse & Associates, P. A.Niagara Credit Solutions, Inc
Source: CFPB Consumer Complaint Database

F&M Capital LLC's complaint volume in context

F&M Capital LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

22 67th percentile higher than 67% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. F&M Capital LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
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.

Top states by complaints against F&M Capital LLC

Across 14 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.