Total CFPB complaints
22
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 22 complaints
F&M Capital LLC — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about F&M Capital LLC
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
7 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
5 complaints
- Communication tactics
Communication tactics
4 complaints
- Attempts to collect debt not owed 2
Attempts to collect debt not owed
2 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
D
Grade D · 57.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about F&M Capital LLC?
F&M Capital LLC has accumulated 22 total CFPB complaints across 14 states, with 0 filed in the most recent 12 months against 22 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 "Threatened to contact someone or share information improperly", narrowing to "Talked to a third-party about your debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% 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 14 states, led by California with 4 and North Carolina with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.4/100 places F&M 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
14
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Reputation grade
D
57.4/100 composite
Response-quality profile
How F&M Capital LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 90.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does F&M Capital LLC compare to its peers?
F&M 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)
2018-08 2024-02
Top Consumer Issues
Threatened to contact someone or share information improperly7 (%)
Took or threatened to take negative or legal action5 (%)
Communication tactics4 (%)
Attempts to collect debt not owed2 (%)
Written notification about debt1 (%)
Most common issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
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 |
|---|---|---|
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 6 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
| Communication tactics | Frequent or repeated calls | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Communication tactics | Called before 8am or after 9pm | 1 |
| Threatened to contact someone or share information improperly | Contacted your employer | 1 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 1 |
| Written notification about debt | Didn't receive enough information to verify debt | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against F&M Capital LLC come from?
The states where consumers have filed the most CFPB complaints against F&M Capital LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against F&M Capital LLC
Across 14 states with at least one filing
- California
California
4 complaints
- North Carolina
North Carolina
3 complaints
- Michigan
Michigan
2 complaints
- Illinois 1
Illinois
1 complaints
- Delaware 1
Delaware
1 complaints
- Florida 1
Florida
1 complaints
- North Dakota 1
North Dakota
1 complaints
- Arizona 1
Arizona
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is F&M Capital LLC's reputation grade? ▼
F&M Capital LLC has a reputation grade of D (score: 57.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if F&M 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 F&M 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 |