CFPB · Narrative-heavy record
Choice Capital Fund
25 CFPB complaints · 60% with narratives · top issue Charged fees or interest you didn't expect.
Choice Capital Fund: 60% of 25 filings include consumer narratives. Timely 40% · relief 12% · top product Payday loan, title loan, or personal loan. Allegations, not findings.
- Narrative-heavy record
- +133.3% filings 2018 to 2025
CFPB relief outcome brief
CCDB company choice-capital-fund
12% relief · 40% timely · 25 filings · Payday loan, title loan, or personal loan
Same-product relief peers
Nearest relief peer: GVA Holdings, LLC (11.9% relief)
Choice Capital Fund closes 12% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Choice Capital Fund's 25 filings include narrative text
60% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Choice Capital Fund complaint mix by product
- Payday loan, 12 48.0% – 17% relief
- Debt collection 9 36.0% – 11% relief
- Payday loan, 4 16.0% – 0% relief
How Choice Capital Fund's 25 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, or personal loan | 12 |
| Debt collection | 9 |
| Payday loan, title loan, personal loan, or advance loan | 4 |
Concentrated filing states for Choice Capital Fund
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 40% of this company's filings
Choice Capital Fund rising annual filings
Annual filing volume from the CFPB public database
- 2025
- 7
- +133.3% vs 2018
Top States
| State | Complaints |
|---|---|
| FL | 10 |
| CA | 5 |
| TX | 4 |
| IN | 2 |
| UT | 1 |
| OK | 1 |
| MI | 1 |
| TN | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 7 |
| Struggling to pay your loan | 5 |
| Loan payment wasn't credited to your account | 2 |
| Communication tactics | 2 |
| Took or threatened to take negative or legal action | 2 |
| Written notification about debt | 2 |
| Electronic communications | 1 |
| Attempts to collect debt not owed | 1 |
| False statements or representation | 1 |
| Received a loan you didn't apply for | 1 |
| Problem when making payments | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 3 | 66.7% |
| 2019 | 3 | 66.7% |
| 2020 | 4 | 75% |
| 2022 | 2 | 0% |
| 2023 | 3 | 66.7% |
| 2024 | 3 | 0% |
| 2025 | 7 | 14.3% |
Source: CFPB Consumer Complaint Database
Choice Capital Fund's narrative-rich complaint ledger
Choice Capital Fund's 25 logged complaints stay concentrated: only 8 states show a filing. 60% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2025-12-29.
Choice Capital Fund answers 40% of complaints inside the CFPB's tracked window and closes 80% with a written explanation. 12% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, or personal loan" draws the most filings, most often for "Charged fees or interest you didn't expect."
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 Choice Capital Fund.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Choice Capital Fund: 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: 25.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 40%.
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 Choice Capital Fund (40% timely; 12% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record