Total CFPB complaints
31
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 31 complaints
Troy Capital, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Troy Capital, LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
9 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- False statements or representation
False statements or representation
4 complaints
- Written notification about debt 3
Written notification about debt
3 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
- Communication tactics 1
Communication tactics
1 complaints
C
Grade C · 59.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Troy Capital, LLC?
Troy Capital, LLC has accumulated 31 total CFPB complaints across 16 states, with 4 filed in the most recent 12 months against 27 historical complaints before that window. The trailing-12-month volume represents 12.9% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Sued you without properly notifying you of lawsuit", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 40% 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 16 states, led by Texas with 4 and Florida with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.9/100 places Troy Capital, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4
12.9% of total history
Stable →
States active
16
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
40%
After company response
Reputation grade
C
59.9/100 composite
Response-quality profile
How Troy Capital, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 80.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Troy Capital, LLC compare to its peers?
Troy 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)
2018-03 2026-01
Top Consumer Issues
Took or threatened to take negative or legal action9 (%)
False statements or representation4 (%)
Written notification about debt3 (%)
Attempts to collect debt not owed5 (%)
Disclosure verification of debt2 (%)
Communication tactics1 (%)
Most common issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 7 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
Where do complaints against Troy Capital, LLC come from?
The states where consumers have filed the most CFPB complaints against Troy Capital, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Troy Capital, LLC
Across 16 states with at least one filing
- Texas
Texas
4 complaints
- Florida
Florida
4 complaints
- South Carolina
South Carolina
3 complaints
- Ohio
Ohio
3 complaints
- Illinois
Illinois
3 complaints
- Alabama
Alabama
2 complaints
- Georgia
Georgia
2 complaints
- Tennessee
Tennessee
2 complaints
Frequently Asked Questions
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 31 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 4 complaints in the last 12 months.
What is Troy Capital, LLC's reputation grade? ▼
Troy Capital, LLC has a reputation grade of C (score: 59.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 Texas (4 complaints).
What can I do if Troy 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 Troy 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 |