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

CFPB complaint data Grade D 83 complaints

Reel Time Capital LLC - Debt Collector Complaint Profile

CFPB complaint profile across 27 states, reputation grade D.

Complaints by issue type

What consumers report about Reel Time Capital LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 54.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Reel Time Capital LLC ranks ahead of 23% of the 5,283 collectors PlainCollector grades - 77% keep a cleaner CFPB record, on 83 all-time complaints and a 99% timely-response rate.

23rd pct
reputation rank of 5,283 graded collectors
83
CFPB complaints, all-time
99%
answered inside the CFPB window
35
in the last 12 months (rising)

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 Reel Time Capital LLC?

Reel Time Capital LLC has accumulated 83 total CFPB complaints across 27 states, with 35 filed in the most recent 12 months against 48 historical complaints before that window. The trailing-12-month volume represents 42.2% 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 "Took or threatened to take negative or legal action", narrowing to "Debt was result of identity theft". The company posts a 99% timely-response rate.

Complaints have been recorded across 27 states, led by Texas with 22 and Louisiana with 8. Normalized against the full CFPB collector database, the reputation score of 54.1/100 places Reel Time Capital LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

83

low-volume (CCDB)

Last 12 months

35

42.2% of all-time complaints

Rising ↑

States active

27

multi-region footprint

Timely response rate

99%

excellent band

Reputation grade

D

54.1/100 composite

How does Reel Time Capital LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

54 Bottom 23% higher than 23% 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

Reel Time Capital LLC versus the debt-collection vertical average.

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?

How does Reel Time Capital LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Reel Time Capital LLC National average
Complaints (last 12 mo)lower is better
35
0
268
Timely-response ratehigher is better
99%
94%
91%
Consumer-dispute ratelower is better
0%
39%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-03 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 23
Attempts to collect debt not owed - 20
Communication tactics - 12
False statements or representation - 10
Written notification about debt - 8
Threatened to contact someone or share information improperly - 8
Electronic communications - 2

Where do complaints against Reel Time Capital LLC come from?

Reel Time Capital LLC's own per-state count, not a national baseline.

Top states by complaints against Reel Time Capital LLC

Across 27 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Reel Time Capital LLC contacts you

A grade of D signals how Reel Time Capital 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 Reel Time Capital 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 Reel Time Capital 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 Reel Time Capital LLC? ▼

The most common issue consumers report about Reel Time Capital LLC is "Took or threatened to take negative or legal action", specifically "Debt was result of identity theft". This is based on 83 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 35 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 (22 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.