CFPB Consumer Complaint Profile
Choice Capital Fund
What the consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 25
- Total complaints
- Mid-range
- 5
- Last 12 months
- 40%
- Timely response
- Bottom decile
- 8
- States affected
The verdict
Choice Capital Fund ranks #2586 of 3,843 financial companies by CFPB complaint volume. On response speed it sits at the 2nd percentile among companies with 100+ complaints.
- Debt collection
- most-complained product
- FL
- state with the most complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Choice Capital Fund vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
40% Among the lowest higher than 2% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2018 | 3 |
| 2019 | 3 |
| 2020 | 4 |
| 2022 | 2 |
| 2023 | 3 |
| 2024 | 3 |
| 2025 | 7 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Choice Capital Fund
The CFPB Consumer Complaint Database shows a geographically concentrated complaint footprint for Choice Capital Fund, with consumers across the country filing against it. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Charged fees or interest you didn't expect" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, the timely-response measure shows how often forwarded complaints get a reply. This company's rate trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Relief means the case closed with monetary or non-monetary help for the consumer. Both rates sit in the score card above.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Choice Capital Fund have?
The CFPB has logged 25 complaints against Choice Capital Fund to date, of which 5 came in over the last 12 months.
Does Choice Capital Fund respond to complaints on time?
Choice Capital Fund's CFPB timely-response rate is 40%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Choice Capital Fund?
The most complained-about product for Choice Capital Fund is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Choice Capital Fund?
Consumers most often cite "Charged fees or interest you didn't expect" when complaining about Choice Capital Fund; the full issue list with counts is above.
How do I file a complaint against Choice Capital Fund?
You can file a complaint against Choice Capital Fund directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Choice Capital Fund?
The CFPB has recorded complaints against Choice Capital Fund from 8 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.