CFPB · Mid-pack CFPB posture
Blue Bay Capital
4 CFPB complaints · 3 states · top issue Struggling to pay mortgage.
Blue Bay Capital has 4 consumer complaints in the CFPB public database. Timely response is 100%; 25% closed with relief; top product Mortgage. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- 0% filings 2024 to 2026
CFPB relief outcome brief
CCDB company blue-bay-capital
25% relief · 100% timely · 4 filings · Mortgage
Same-product relief peers
Nearest relief peer: Amerisave Mortgage Corporation (24.7% relief)
Blue Bay Capital closes 25% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Blue Bay Capital complaint mix by product
- Mortgage 2 50.0% – 50% relief
- Debt collection 1 25.0% – 0% relief
- Credit reporting 1 25.0% – 0% relief
How Blue Bay Capital's 4 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Mortgage | 2 |
| Debt collection | 1 |
| Credit reporting or other personal consumer reports | 1 |
Concentrated filing states for Blue Bay Capital
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 50% of this company's filings
Blue Bay Capital complaints by year
Annual filing volume from the CFPB public database
- 2026
- 2
- 0% vs 2024
Top States
| State | Complaints |
|---|---|
| GA | 2 |
| OK | 1 |
| NY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Struggling to pay mortgage | 2 |
| Took or threatened to take negative or legal action | 1 |
| Problem with a company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 2 | 100% |
| 2026 | 2 | 100% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Blue Bay Capital
Blue Bay Capital's 4 logged complaints stay concentrated: only 3 states show a filing. Only 25% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2024 through 2026-06-10.
Blue Bay Capital answers 100% of complaints inside the CFPB's tracked window and closes 75% with a written explanation. 25% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Mortgage" draws the most filings, most often for "Struggling to pay mortgage."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Blue Bay Capital.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Blue Bay Capital: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 4.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Blue Bay Capital (100% timely; 25% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture