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

Data updated July 2026

C

Grade C · 59.9/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

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

The verdict

A reputation grade of C: Troy Capital, LLC ranks ahead of 42% of the 5,283 collectors PlainCollector grades - 58% keep a cleaner CFPB record, on 33 all-time complaints and a 97% timely-response rate.

42nd pct
reputation rank of 5,283 graded collectors
33
CFPB complaints, all-time
97%
answered inside the CFPB window
6
in the last 12 months (stable)

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 Troy Capital, LLC?

Troy Capital, LLC has accumulated 33 total CFPB complaints across 16 states, with 6 filed in the most recent 12 months against 27 historical complaints before that window. The trailing-12-month volume represents 18.2% 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". The company posts a 97% timely-response rate against a 40% consumer-dispute-after-response rate.

Complaints have been recorded across 16 states, led by Florida with 5 and Texas with 5. Normalized against the full CFPB collector database, the reputation score of 59.9/100 places Troy Capital, LLC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

33

low-volume (CCDB)

Last 12 months

6

18.2% of all-time complaints

Stable →

States active

16

regional footprint

Timely response rate

97%

excellent band

Consumer disputes

40%

high (vertical avg ~19%)

Reputation grade

C

59.9/100 composite

How does Troy Capital, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

60 42nd percentile higher than 42% 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

Troy Capital, LLC versus the debt-collection vertical average.

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) 40.0%
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?

How does Troy Capital, LLC compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2023-09 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Troy Capital, LLC contacts you

A grade of C signals how Troy 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 Troy 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 Troy 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 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: 59.9/100), 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).

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.