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

CFPB complaint data Grade C 33 complaints

Troy Capital, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade C.

Complaints by issue type

What consumers report about Troy Capital, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record troy-capital-llc Troy Capital, LLC

Grade C · 33 CFPB filings · 97% timely · lead issue: Took or threatened to take negative or legal action

  • VOL 33
  • GRADE C
  • 12MO 6
  • STATES 16
  • TIMELY 97%
  • DISPUTE 40%
  • ISSUE Took or threatened to take…
  • RANK #1,481
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Account Recovery Services, Inc. (33 complaints)

Account Recovery Services, Inc.Account Recovery Services, I…33Ashton & Weinberg, Inc.Ashton & Weinberg, Inc.33Asset Management Professionals, LLCAsset Management Professiona…33Cash Time Title Loans, Inc.Cash Time Title Loans, Inc.33Troy Capital, LLC (this)Troy Capital, LLC (this)33
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Troy Capital, LLC's 33 CFPB complaints sit next to Account Recovery Services, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 33 complaints break down

Every complaint issue type on record for Troy Capital, LLC, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.3/100
Troy Capital, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume D
33
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
40%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

Florida is the plurality state for Troy Capital, LLC (15.2%)

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Plurality state
Florida 15.2%
Mid-band (15–30%) · 16 states with ≥1 filing
Seasonal peak
2025-10 11.1%
8–15% band · 4 filings
Corpus ranks
#1,481 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Troy Capital, LLC compare to its peers?

How does Troy Capital, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Troy Capital, LLC National average
Complaints (last 12 mo)lower is better
6
3
268
Timely-response ratehigher is better
97%
97%
91%
Consumer-dispute ratelower is better
40%
50%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Troy Capital, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%20%40%60%80%100%120% 0%20%40%60% Timely response rate (%) Dispute rate (%) Troy Capital, LLC vs. 9 similar-volume peers, by response speed and dispute rate Troy Capital, LLCSprechman & Associates, P.A.Union Adjustment Company, Inc.Rossman & Co & PCBWeinman Acquisition GroupReliant Financial CorporationWestern Portfolio AssetsReceivable Solutions Specialist, Inc.Mid-Michigan Collection BureauMark A. Kirkorsky, PC
Source: CFPB Consumer Complaint Database

Troy Capital, LLC's complaint volume in context

Troy Capital, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

33 73rd percentile higher than 73% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Troy Capital, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2023-09 2026-03

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
12
Attempts to collect debt not owed
7
False statements or representation
5
Written notification about debt
4
Disclosure verification of debt
2
Communication tactics
1
Cont'd attempts collect debt not owed
1
Taking/threatening an illegal action
1

Where do complaints against Troy Capital, LLC come from?

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

Top states by complaints against Troy Capital, LLC

Across 16 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Troy Capital, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 33.

4 peers

Know your rights before responding to Troy Capital, LLC: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.