What is the most common complaint against Troy Capital, LLC?

The most common issue consumers report about Troy Capital, LLC is "Took or threatened to take negative or legal action", specifically "Sued you without properly notifying you of lawsuit". This is based on 33 complaints filed with the CFPB.

Are complaints against Troy Capital, LLC increasing or decreasing?

Complaints against Troy Capital, LLC have been stable. The company received 6 complaints in the last 12 months.

What is Troy Capital, LLC's reputation grade?

Troy Capital, LLC has a reputation grade of C (score: 56.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Troy Capital, LLC respond to consumer complaints?

Troy Capital, LLC has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 40% of cases.

In how many states does Troy Capital, LLC operate?

Troy Capital, LLC has received CFPB complaints from consumers in 16 states, with the most complaints from Florida (5 complaints).

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

Troy Capital, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade C.

Compiled by PlainCollector

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

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 #1481 · compose #3112

VOL 33
GRADE C
12MO 6
STATES 16
TIMELY 97%
DISPUTE 40%
ISSUE Took or threatened to take…
RANK #1,481
COMPOSE #3,112

Volume peers

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

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 →

Filing geometry

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

Volume rank #1,481 and composite rank #3,112 diverge by 1,631 places on PlainCollector's CFPB-derived corpus maps. 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
Divergent corpus ranks: #1,481 volume; #3,112 composite; Cleanest-composite ladder is 1,631 places worse than volume

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

268

Timely-response ratehigher is better

97%

91%

Consumer-dispute ratelower is better

40%

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Florida

5
Texas

5
Illinois

3
Ohio

3
South Carolina

3
Alabama

2
Georgia

2
Tennessee

2

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.