Total CFPB complaints
29
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 29 complaints
Fair Capital — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Fair Capital
- Attempts to collect debt not owed
Attempts to collect debt not owed
15 complaints
- Written notification about debt
Written notification about debt
6 complaints
- Took or threatened to take negative or legal action 5
Took or threatened to take negative or legal action
5 complaints
- False statements or representation 3
False statements or representation
3 complaints
D
Grade D · 59.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Fair Capital?
Fair Capital has accumulated 29 total CFPB complaints across 11 states, with 13 filed in the most recent 12 months against 16 historical complaints before that window. The trailing-12-month volume represents 44.8% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 11 states, led by California with 7 and Texas with 5, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.0/100 places Fair Capital 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
13
44.8% of total history
Stable →
States active
11
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
D
59.0/100 composite
Response-quality profile
How Fair Capital performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Fair Capital compare to its peers?
Fair Capital 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)
2019-01 2026-02
Top Consumer Issues
Attempts to collect debt not owed15 (%)
Written notification about debt6 (%)
Took or threatened to take negative or legal action5 (%)
False statements or representation3 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 10 |
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 5 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Attempts to collect debt not owed | Debt was paid | 2 |
Where do complaints against Fair Capital come from?
The states where consumers have filed the most CFPB complaints against Fair Capital. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Fair Capital
Across 11 states with at least one filing
- California
California
7 complaints
- Texas
Texas
5 complaints
- Florida
Florida
5 complaints
- New York
New York
5 complaints
- Michigan 1
Michigan
1 complaints
- North Carolina 1
North Carolina
1 complaints
- South Carolina 1
South Carolina
1 complaints
- Delaware 1
Delaware
1 complaints
Frequently Asked Questions
What is the most common complaint against Fair Capital? ▼
The most common issue consumers report about Fair Capital is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 29 complaints filed with the CFPB.
Are complaints against Fair Capital increasing or decreasing? ▼
Complaints against Fair Capital have been stable. The company received 13 complaints in the last 12 months.
What is Fair Capital's reputation grade? ▼
Fair Capital has a reputation grade of D (score: 59.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Fair Capital respond to consumer complaints? ▼
Fair Capital has a 100% timely response rate to CFPB complaints.
In how many states does Fair Capital operate? ▼
Fair Capital has received CFPB complaints from consumers in 11 states, with the most complaints from California (7 complaints).
What can I do if Fair Capital 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 Fair Capital 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 |