Total CFPB complaints
11
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 11 complaints
GEMINI CAPITAL GROUP, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about GEMINI CAPITAL GROUP, LLC
- Disclosure verification of debt
Disclosure verification of debt
3 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
2 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
B
Grade B · 70.5/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about GEMINI CAPITAL GROUP, LLC?
GEMINI CAPITAL GROUP, LLC has accumulated 11 total CFPB complaints across 4 states, with 0 filed in the most recent 12 months against 11 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Disclosure verification of debt", narrowing to "Not given enough info to verify debt", 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 against a 29% 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 4 states, led by Georgia with 7 and Colorado with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 70.5/100 places GEMINI CAPITAL GROUP, LLC in grade band B, 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
Falling ↓
States active
4
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
29%
After company response
Reputation grade
B
70.5/100 composite
Response-quality profile
How GEMINI CAPITAL GROUP, LLC 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.
Consumer dispute rate (post-response) 57.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does GEMINI CAPITAL GROUP, LLC compare to its peers?
GEMINI CAPITAL GROUP, … 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)
2015-12 2024-11
Top Consumer Issues
Disclosure verification of debt3 (%)
Cont'd attempts collect debt not owed2 (%)
Took or threatened to take negative or legal action2 (%)
Taking/threatening an illegal action1 (%)
Attempts to collect debt not owed1 (%)
Improper contact or sharing of info1 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Disclosure verification of debt — Not given enough info to verify 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 |
|---|---|---|
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| Improper contact or sharing of info | Contacted me after I asked not to | 1 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
Where do complaints against GEMINI CAPITAL GROUP, LLC come from?
The states where consumers have filed the most CFPB complaints against GEMINI CAPITAL GROUP, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against GEMINI CAPITAL GROUP, LLC
Across 4 states with at least one filing
- Georgia
Georgia
7 complaints
- Colorado 2
Colorado
2 complaints
- Iowa 1
Iowa
1 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against GEMINI CAPITAL GROUP, LLC? ▼
The most common issue consumers report about GEMINI CAPITAL GROUP, LLC is "Disclosure verification of debt", specifically "Not given enough info to verify debt". This is based on 11 complaints filed with the CFPB.
Are complaints against GEMINI CAPITAL GROUP, LLC increasing or decreasing? ▼
Complaints against GEMINI CAPITAL GROUP, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.
What is GEMINI CAPITAL GROUP, LLC's reputation grade? ▼
GEMINI CAPITAL GROUP, LLC has a reputation grade of B (score: 70.5/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does GEMINI CAPITAL GROUP, LLC respond to consumer complaints? ▼
GEMINI CAPITAL GROUP, LLC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 29% of cases.
In how many states does GEMINI CAPITAL GROUP, LLC operate? ▼
GEMINI CAPITAL GROUP, LLC has received CFPB complaints from consumers in 4 states, with the most complaints from Georgia (7 complaints).
What can I do if GEMINI CAPITAL GROUP, 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 GEMINI CAPITAL GROUP, 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 |