CFPB Consumer Complaint Profile
TexCap Financial, LLC
27 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 27
- Total complaints
- Mid-range
- 6
- Last 12 months
- 55.6%
- Timely response
- Bottom decile
- 11
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, TexCap Financial, LLC has accumulated 27 complaints, placing it #2473 by volume. It posts a 55.6% on-time response rate, the 4th percentile among companies with 100+ complaints.
- #2473
- of 3,843 companies by volume
- 55.6%
- on time (4th pctile)
- Vehicle loan or lease
- most-complained product
- 11
- states with 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.
TexCap Financial, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
55.6% Among the lowest higher than 4% 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 1 |
| 2017 | 2 |
| 2019 | 1 |
| 2021 | 2 |
| 2022 | 5 |
| 2023 | 5 |
| 2024 | 3 |
| 2025 | 6 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for TexCap Financial, LLC
27 complaints against TexCap Financial, LLC appear in the CFPB record, including 6 from the trailing year. The 11 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Vehicle loan or lease," 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 "Managing the loan or lease" - 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, TexCap Financial, LLC posts a 55.6% reply rate on forwarded complaints. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. 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 TexCap Financial, LLC have?
TexCap Financial, LLC has 27 total consumer complaints filed with the CFPB, with 6 filed in the last 12 months.
Does TexCap Financial, LLC respond to complaints on time?
TexCap Financial, LLC has a 55.6% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for TexCap Financial, LLC?
Among all products tied to TexCap Financial, LLC, "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with TexCap Financial, LLC?
The most common issue reported by consumers about TexCap Financial, LLC is "Managing the loan or lease." All complaint issues are listed above with their counts.
How do I file a complaint against TexCap Financial, LLC?
You can file a complaint against TexCap Financial, 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 TexCap Financial, LLC?
Consumers in 11 states and territories have filed complaints about TexCap Financial, 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for TexCap Financial, LLC: 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 (0% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does TexCap Financial, LLC have?
TexCap Financial, LLC has 27 total consumer complaints filed with the CFPB, with 6 filed in the last 12 months.
Does TexCap Financial, LLC respond to complaints on time?
TexCap Financial, LLC has a 55.6% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for TexCap Financial, LLC?
Among all products tied to TexCap Financial, LLC, "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with TexCap Financial, LLC?
The most common issue reported by consumers about TexCap Financial, LLC is "Managing the loan or lease." All complaint issues are listed above with their counts.
How do I file a complaint against TexCap Financial, LLC?
You can file a complaint against TexCap Financial, 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 TexCap Financial, LLC?
Consumers in 11 states and territories have filed complaints about TexCap Financial, 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.