CFPB · Narrative-heavy record
Troy Capital, LLC
53 CFPB complaints · 58.5% with narratives · top issue Took or threatened to take negative or legal action.
Troy Capital, LLC: 58.5% of 53 filings include consumer narratives. Timely 88.7% · relief 1.9% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- +600% filings 2014 to 2026
CFPB relief outcome brief
CCDB company troy-capital-llc
1.9% relief · 88.7% timely · 53 filings · Debt collection
Same-product relief peers
Nearest relief peer: Capital Accounts, LLC (1.9% relief)
Troy Capital, LLC closes 1.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Troy Capital, LLC's 53 filings include narrative text
58.5% 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.
Troy Capital, LLC complaint mix by product
- Debt collection 33 63.5% – 3% relief
- Credit reporting 6 11.5% – 0% relief
- Vehicle loan 5 9.6% – 0% relief
- Credit reporting, 4 7.7% – 0% relief
- Bank account 2 3.8% – 0% relief
- Debt or 1 1.9% – 0% relief
- Credit card 1 1.9% – 0% relief
How Troy Capital, LLC's 53 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 33 |
| Credit reporting or other personal consumer reports | 6 |
| Vehicle loan or lease | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Bank account or service | 2 |
| Debt or credit management | 1 |
| Credit card | 1 |
| Student loan | 1 |
Where Troy Capital, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 15.1% of this company's filings
Troy Capital, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 7
- +600% vs 2014
Top States
| State | Complaints |
|---|---|
| FL | 8 |
| TX | 7 |
| NY | 4 |
| OH | 3 |
| NC | 3 |
| SC | 3 |
| GA | 3 |
| IL | 3 |
| TN | 3 |
| AL | 2 |
| NJ | 2 |
| PA | 2 |
| KY | 2 |
| LA | 1 |
| IN | 1 |
| AZ | 1 |
| CO | 1 |
| CA | 1 |
| UT | 1 |
| OK | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 12 |
| Attempts to collect debt not owed | 7 |
| False statements or representation | 5 |
| Incorrect information on your report | 5 |
| Written notification about debt | 4 |
| Improper use of your report | 3 |
| Repossession | 3 |
| Problem with a company's investigation into an existing problem | 2 |
| Disclosure verification of debt | 2 |
| Problem with customer service | 1 |
| Taking/threatening an illegal action | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Problems caused by my funds being low | 1 |
| Identity theft / Fraud / Embezzlement | 1 |
| Deposits and withdrawals | 1 |
| Dealing with my lender or servicer | 1 |
| Struggling to pay your loan | 1 |
| Communication tactics | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 1 | 100% |
| 2015 | 2 | 100% |
| 2016 | 6 | 33.3% |
| 2017 | 1 | 100% |
| 2018 | 4 | 100% |
| 2019 | 3 | 100% |
| 2020 | 4 | 100% |
| 2021 | 2 | 100% |
| 2022 | 3 | 100% |
| 2023 | 6 | 100% |
| 2024 | 8 | 100% |
| 2025 | 6 | 66.7% |
| 2026 | 7 | 100% |
Source: CFPB Consumer Complaint Database
Troy Capital, LLC's narrative-rich complaint ledger
Troy Capital, LLC's 53 logged complaints stay concentrated: only 21 states show a filing. 58.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-04-26.
Troy Capital, LLC answers 88.7% of complaints inside the CFPB's tracked window and closes 98.1% with a written explanation. 1.9% 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 "Took or threatened to take negative or legal action."
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 Troy Capital, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Troy 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: 53.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 88.7%.
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 Troy Capital, LLC (88.7% timely; 1.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record