Total complaints
41
Filed since 2014
2026 data Public-data reference. official source
Troy Capital, LLC
41 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
41 consumer complaints filed with the CFPB
This profile shows Troy Capital, LLC's complaint history from CFPB public records. 41 consumers have filed complaints since 2014. The company has a 90.2% timely response rate and has provided relief in 2.4% of cases.
41
Total Complaints
90.2%
Timely Response
4.9%
Disputed
2.4%
Relief Provided
19
States Active
2014
Since
Timely response
90.2%
CFPB-tracked response window
Relief rate
2.4%
Closed with monetary or non-monetary relief
Timely response rate 90.2%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 2.4%
Industry median
Share closed with monetary or non-monetary relief.
Troy Capital, LLC complaint mix by product
- Debt collection 25 62.5% – 4% relief
- Credit reporting 5 12.5% – 0% relief
- Vehicle loan 4 10.0% – 0% relief
- Bank account 2 5.0% – 0% relief
- Credit reporting, 2 5.0% – 0% relief
- Student loan 1 2.5% – 0% relief
- Credit card 1 2.5% – 0% relief
How Troy Capital, LLC's 41 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 25 |
| Credit reporting or other personal consumer reports | 5 |
| Vehicle loan or lease | 4 |
| Bank account or service | 2 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Student loan | 1 |
| Credit card | 1 |
| Debt or credit management | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 7 |
| FL | 4 |
| NY | 4 |
| SC | 3 |
| NC | 3 |
| GA | 3 |
| NJ | 2 |
| TN | 2 |
| OH | 2 |
| AL | 2 |
| AZ | 1 |
| CA | 1 |
| UT | 1 |
| IN | 1 |
| LA | 1 |
| KY | 1 |
| IL | 1 |
| CO | 1 |
| OK | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Took or threatened to take negative or legal action | 8 |
| Attempts to collect debt not owed | 5 |
| False statements or representation | 4 |
| Incorrect information on your report | 3 |
| Written notification about debt | 3 |
| Repossession | 2 |
| Disclosure verification of debt | 2 |
| Problem with a company's investigation into an existing problem | 2 |
| Improper use of your report | 2 |
| Deposits and withdrawals | 1 |
| Dealing with my lender or servicer | 1 |
| Problems caused by my funds being low | 1 |
| Identity theft / Fraud / Embezzlement | 1 |
| Communication tactics | 1 |
| Struggling to pay your loan | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Problem with customer service | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
| Taking/threatening an illegal action | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 1 | 100% |
| 2015 | 2 | 100% |
| 2016 | 6 | 33.3% |
| 2017 | 1 | 100% |
| 2018 | 2 | 100% |
| 2019 | 3 | 100% |
| 2020 | 2 | 100% |
| 2021 | 2 | 100% |
| 2022 | 2 | 100% |
| 2023 | 6 | 100% |
| 2024 | 6 | 100% |
| 2025 | 3 | 100% |
| 2026 | 5 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Troy Capital, LLC
Troy Capital, LLC has accumulated 41 consumer complaints in the CFPB public database, with filings active across 19 U.S. states. Of those submissions, 21 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2014, and the most recent logged activity is 2026-04-03, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Troy Capital, LLC reports a 90.2% timely-response rate and has closed 97.6% of cases with a written explanation to the consumer. 2.4% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 4.9% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Took or threatened to take negative or legal action".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Troy Capital, LLC: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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 Troy Capital, LLC have?
Troy Capital, LLC has received 41 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Troy Capital, LLC respond to complaints on time?
Troy Capital, LLC has a 90.2% timely response rate to CFPB complaints.
What is the most common complaint about Troy Capital, LLC?
The most common issue reported against Troy Capital, LLC is "Took or threatened to take negative or legal action" in the "Debt collection" product category.
Read our methodology — how this data is sourced, computed, and verified.
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