CFPB Consumer Complaint Profile
F&M Capital LLC
Consumers have filed 22 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
- 22
- Total complaints
- Mid-range
- 0
- Last 12 months
- 90.9%
- Timely response
- Bottom quartile
- 14
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, F&M Capital LLC has accumulated 22 complaints, placing it #2732 by volume. On-time replies land at 90.9%, the 19th percentile for the 100+ complaint peer group.
- #2732
- of 3,843 companies by volume
- 90.9%
- on time (19th pctile)
- Debt collection
- most-complained product
- 14
- 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.
F&M Capital LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
90.9% Among the lowest higher than 19% 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
What changed
CFPB Consumer Complaint Database 2019 to 2024 complete years
- Annual CFPB complaint volume moved from 17 in 2019 to 1 in 2024 (2019 → 2024).
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 |
|---|---|
| 2018 | 4 |
| 2019 | 17 |
| 2024 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for F&M Capital LLC
22 complaints against F&M Capital LLC appear in the CFPB record, including 0 from the trailing year. The 14 states and territories represented put this footprint in geographically concentrated territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Threatened to contact someone or share information improperly," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, F&M Capital LLC posts a 90.9% reply rate on forwarded complaints. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Among resolved complaints, the consumer-relief closure rate is 0%.
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 F&M Capital LLC have?
F&M Capital LLC has 22 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does F&M Capital LLC respond to complaints on time?
F&M Capital LLC has a 90.9% timely response rate to CFPB complaints.
What product generates the most complaints for F&M Capital LLC?
"Debt collection" draws more CFPB complaints against F&M Capital LLC than any other product - see the full breakdown above.
What is the most common complaint issue with F&M Capital LLC?
Consumers most often cite "Threatened to contact someone or share information improperly" when complaining about F&M Capital LLC; the full issue list with counts is above.
How do I file a complaint against F&M Capital LLC?
You can file a complaint against F&M Capital LLC 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 F&M Capital LLC?
Consumers in 14 states and territories have filed complaints about F&M Capital LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
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.