CFPB · Single-product concentration
F&M Capital LLC
22 CFPB complaints · 100% in "Debt collection" · top issue Threatened to contact someone or share information improperly.
F&M Capital LLC: 100% of 22 CFPB complaints sit in "Debt collection". Timely 90.9% · relief 0%. Allegations, not findings.
- Single-product concentration
- -75% filings 2018 to 2024
CFPB relief outcome brief
CCDB company f-m-capital-llc
0% relief · 90.9% timely · 22 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
F&M Capital LLC closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of F&M Capital LLC's 22 filings include narrative text
54.5% 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.
F&M Capital LLC complaint mix by product
- Debt collection 22 100.0% – 0% relief
How F&M Capital LLC's 22 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 22 |
Where F&M Capital LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 18.2% of this company's filings
F&M Capital LLC falling annual filings
Annual filing volume from the CFPB public database
- 2024
- 1
- -75% vs 2018
Top States
| State | Complaints |
|---|---|
| CA | 4 |
| NC | 3 |
| MI | 2 |
| IL | 1 |
| WA | 1 |
| AZ | 1 |
| FL | 1 |
| OK | 1 |
| TX | 1 |
| ND | 1 |
| UT | 1 |
| NE | 1 |
| DE | 1 |
| MS | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Threatened to contact someone or share information improperly | 7 |
| Took or threatened to take negative or legal action | 5 |
| Communication tactics | 4 |
| Attempts to collect debt not owed | 3 |
| Written notification about debt | 2 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 4 | 100% |
| 2019 | 17 | 94.1% |
| 2024 | 1 | 0% |
Source: CFPB Consumer Complaint Database
F&M Capital LLC filings cluster in one product
F&M Capital LLC's 22 logged complaints stay concentrated: only 14 states show a filing. 54.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2018 through 2024-02-14.
F&M Capital LLC answers 90.9% of complaints inside the CFPB's tracked window and closes 95.5% with a written explanation. 0% 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 "Threatened to contact someone or share information improperly."
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 F&M Capital LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for F&M Capital LLC: 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: 22.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 90.9%.
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 F&M Capital LLC (90.9% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration