Direct Capital
43 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Direct Capital
Direct Capital's 43 logged complaints stay concentrated: only 21 states show a filing on record. 48.8% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - 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.
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.
Frequently Asked Questions
How many CFPB complaints does Direct Capital have?
43, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Direct Capital respond to complaints on time?
48.8% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Direct Capital?
"Communication tactics", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.