Troy Capital, LLC
53 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.
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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Troy Capital, LLC
Troy Capital, LLC's 53 logged complaints stay concentrated: only 21 states show a filing on record. 58.5% 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 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.
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?
53, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Troy Capital, LLC respond to complaints on time?
88.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Troy Capital, LLC?
"Took or threatened to take negative or legal action", 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.