CFPB Consumer Complaint Profile
Direct Capital
Consumers have filed 42 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 42
- Total complaints
- Mid-range
- 1
- Last 12 months
- 50%
- Timely response
- Bottom decile
- 21
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Direct Capital sits at #1996, with 42 complaints logged. On-time replies land at 50%, the 3rd percentile for the 100+ complaint peer group.
- #1996
- of 3,843 companies by volume
- 50%
- on time (3rd pctile)
- Debt collection
- most-complained product
- 21
- states with complaints
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.
Direct Capital vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
50% Among the lowest higher than 3% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 20 |
| 2016 | 9 |
| 2019 | 1 |
| 2020 | 6 |
| 2021 | 4 |
| 2022 | 1 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Direct Capital
42 complaints against Direct Capital appear in the CFPB record, including 1 from the trailing year. The 21 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Communication tactics," a reasonable starting point for understanding recurring friction.
Direct Capital's timely response rate stands at 50%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. The company's response carried a 3.4% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 2.4% rate.
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.
Frequently Asked Questions
How many CFPB complaints does Direct Capital have?
42 complaints have been filed against Direct Capital with the CFPB overall - 1 of them in the past year.
Does Direct Capital respond to complaints on time?
CFPB complaints against Direct Capital draw a 50% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Direct Capital?
"Debt collection" draws more CFPB complaints against Direct Capital than any other product - see the full breakdown above.
What is the most common complaint issue with Direct Capital?
"Communication tactics" is the single most frequently cited issue in complaints against Direct Capital - see all issues and counts above.
How do I file a complaint against Direct Capital?
You can file a complaint against Direct Capital 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 Direct Capital?
The CFPB has recorded complaints against Direct Capital from 21 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Direct Capital: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (3.4% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.