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

CFPB complaint data Grade F 127 complaints

JTM Capital Management, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 35 states, reputation grade F.

Complaints by issue type

What consumers report about JTM Capital Management, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 50.6/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: JTM Capital Management, LLC ranks ahead of 16% of the 5,283 collectors PlainCollector grades - 84% keep a cleaner CFPB record, on 127 all-time complaints and a 74% timely-response rate.

16th pct
reputation rank of 5,283 graded collectors
127
CFPB complaints, all-time
74%
answered inside the CFPB window
4
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about JTM Capital Management, LLC?

JTM Capital Management, LLC has accumulated 127 total CFPB complaints across 35 states, with 4 filed in the most recent 12 months against 123 historical complaints before that window. The trailing-12-month volume represents 3.1% 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 "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft". The company posts a 74% timely-response rate against a 22% consumer-dispute-after-response rate.

Complaints have been recorded across 35 states, led by Texas with 12 and California with 11. Normalized against the full CFPB collector database, the reputation score of 50.6/100 places JTM Capital Management, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

127

mid-volume (CCDB)

Last 12 months

4

3.1% of all-time complaints

Falling ↓

States active

35

multi-region footprint

Timely response rate

74%

below sla band

Consumer disputes

22%

elevated (vertical avg ~19%)

Reputation grade

F

50.6/100 composite

How does JTM Capital Management, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

51 Bottom 16% higher than 16% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

JTM Capital Management, LLC versus the debt-collection vertical average.

Timely response within SLA 74.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 22.2%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 62.5%

Share of US states + territories with at least one filed complaint against this collector.

How does JTM Capital Management, LLC compare to its peers?

How does JTM Capital Management, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
JTM Capital Management… National average
Complaints (last 12 mo)lower is better
4
0
268
Timely-response ratehigher is better
74%
91%
91%
Consumer-dispute ratelower is better
22%
18%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-03 2021-12

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 38
Took or threatened to take negative or legal action - 29
Written notification about debt - 23
Communication tactics - 16
False statements or representation - 11
Threatened to contact someone or share information improperly - 4
Disclosure verification of debt - 3
Cont'd attempts collect debt not owed - 2
Improper contact or sharing of info - 1

Where do complaints against JTM Capital Management, LLC come from?

JTM Capital Management, LLC's own per-state count, not a national baseline.

Top states by complaints against JTM Capital Management, LLC

Across 35 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if JTM Capital Management, LLC contacts you

A grade of F signals how JTM Capital Management, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really JTM Capital Management, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how JTM Capital Management, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against JTM Capital Management, LLC? ▼

The most common issue consumers report about JTM Capital Management, LLC is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 127 complaints filed with the CFPB.

Are complaints against JTM Capital Management, LLC increasing or decreasing? ▼

Complaints against JTM Capital Management, LLC are falling. The company received 4 complaints in the last 12 months, showing improvement over prior periods.

What is JTM Capital Management, LLC's reputation grade? ▼

JTM Capital Management, LLC has a reputation grade of F (score: 50.6/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does JTM Capital Management, LLC respond to consumer complaints? ▼

JTM Capital Management, LLC has a 74% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.

In how many states does JTM Capital Management, LLC operate? ▼

JTM Capital Management, LLC has received CFPB complaints from consumers in 35 states, with the most complaints from Texas (12 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.