CFPB · Single-product concentration
Direct Capital
43 CFPB complaints · 90.7% in "Debt collection" · top issue Communication tactics.
Direct Capital: 90.7% of 43 CFPB complaints sit in "Debt collection". Timely 48.8% · relief 2.3%. Allegations, not findings.
- Single-product concentration
- -95% filings 2015 to 2026
CFPB relief outcome brief
CCDB company direct-capital
2.3% relief · 48.8% timely · 43 filings · Debt collection
Same-product relief peers
Nearest relief peer: Tidewater Finance Company, Inc. (2.3% relief)
Direct Capital closes 2.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Direct Capital's 43 filings include narrative text
48.8% 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.
Direct Capital complaint mix by product
- Debt collection 39 90.7% – 0% relief
- Payday loan 3 7.0% – 33% relief
- Payday loan, 1 2.3% – 0% relief
How Direct Capital's 43 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 39 |
| Payday loan | 3 |
| Payday loan, title loan, or personal loan | 1 |
Where Direct Capital complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 16.3% of this company's filings
Direct Capital falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -95% vs 2015
Top States
| State | Complaints |
|---|---|
| CA | 7 |
| TX | 4 |
| IL | 3 |
| PA | 3 |
| WA | 3 |
| TN | 3 |
| FL | 2 |
| NC | 2 |
| AZ | 2 |
| OH | 2 |
| WI | 2 |
| MO | 1 |
| GA | 1 |
| VA | 1 |
| KY | 1 |
| UT | 1 |
| OR | 1 |
| CT | 1 |
| HI | 1 |
| ME | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 17 |
| Cont'd attempts collect debt not owed | 6 |
| Taking/threatening an illegal action | 4 |
| False statements or representation | 3 |
| Improper contact or sharing of info | 3 |
| Threatened to contact someone or share information improperly | 2 |
| Took or threatened to take negative or legal action | 2 |
| Charged fees or interest I didn't expect | 1 |
| Disclosure verification of debt | 1 |
| Can't contact lender | 1 |
| Received a loan I didn't apply for | 1 |
| Attempts to collect debt not owed | 1 |
| Problem with additional add-on products or services | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 20 | 50% |
| 2016 | 9 | 55.6% |
| 2019 | 1 | 0% |
| 2020 | 6 | 0% |
| 2021 | 4 | 100% |
| 2022 | 1 | 100% |
| 2025 | 1 | 100% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Direct Capital filings cluster in one product
Direct Capital's 43 logged complaints stay concentrated: only 21 states show a filing. 48.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2026-05-19.
Direct Capital answers 48.8% of complaints inside the CFPB's tracked window and closes 79.1% with a written explanation. 2.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Communication tactics."
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 Direct Capital.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Direct 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: 43.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 48.8%.
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 Direct Capital (48.8% timely; 2.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration