Total CFPB complaints
72
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 72 complaints
Reel Time Capital LLC — Debt Collector Complaint Profile
CFPB complaint profile across 27 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Reel Time Capital LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
21 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
17 complaints
- Threatened to contact someone or share information improperly 6
Threatened to contact someone or share information improperly
6 complaints
- Communication tactics 4
Communication tactics
4 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Written notification about debt 4
Written notification about debt
4 complaints
D
Grade D · 54.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Reel Time Capital LLC?
Reel Time Capital LLC has accumulated 72 total CFPB complaints across 27 states, with 31 filed in the most recent 12 months against 41 historical complaints before that window. The trailing-12-month volume represents 43.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
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 99% 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 27 states, led by Texas with 18 and Louisiana with 8, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.1/100 places Reel Time 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
31
43.1% of total history
Rising ↑
States active
27
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Reputation grade
D
54.1/100 composite
Response-quality profile
How Reel Time Capital LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 48.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Reel Time Capital LLC compare to its peers?
Reel Time 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)
2023-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed17 (%)
Took or threatened to take negative or legal action21 (%)
Threatened to contact someone or share information improperly6 (%)
Communication tactics4 (%)
False statements or representation4 (%)
Written notification about debt4 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 was result of identity theft | 9 |
| Attempts to collect debt not owed | Debt is not yours | 8 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 7 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 6 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 6 |
| Communication tactics | Used obscene, profane, or other abusive language | 4 |
| Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | 4 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
Where do complaints against Reel Time Capital LLC come from?
The states where consumers have filed the most CFPB complaints against Reel Time Capital LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Reel Time Capital LLC
Across 27 states with at least one filing
- Texas
Texas
18 complaints
- Louisiana
Louisiana
8 complaints
- South Carolina 5
South Carolina
5 complaints
- Ohio 4
Ohio
4 complaints
- Tennessee 4
Tennessee
4 complaints
- Florida 3
Florida
3 complaints
- Georgia 3
Georgia
3 complaints
- Kansas 3
Kansas
3 complaints
Frequently Asked Questions
What is the most common complaint against Reel Time Capital LLC? ▼
The most common issue consumers report about Reel Time Capital LLC is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 72 complaints filed with the CFPB.
Are complaints against Reel Time Capital LLC increasing or decreasing? ▼
Complaints against Reel Time Capital LLC are rising. The company received 31 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Reel Time Capital LLC's reputation grade? ▼
Reel Time Capital LLC has a reputation grade of D (score: 54.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Reel Time Capital LLC respond to consumer complaints? ▼
Reel Time Capital LLC has a 99% timely response rate to CFPB complaints.
In how many states does Reel Time Capital LLC operate? ▼
Reel Time Capital LLC has received CFPB complaints from consumers in 27 states, with the most complaints from Texas (18 complaints).
What can I do if Reel Time 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 Reel Time 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 |