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

JTM Capital Management, LLC has accumulated 123 total CFPB complaints across 34 states, with 1 filed in the most recent 12 months against 122 historical complaints before that window. The trailing-12-month volume represents 0.8% 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", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 74% timely-response rate against a 22% 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 34 states, led by Texas with 12 and California with 11, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 50.6/100 places JTM Capital Management, LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.