CFPB Consumer Complaint Profile
Troy Capital, LLC
50 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
- 50
- Total complaints
- Mid-range
- 9
- Last 12 months
- 88%
- Timely response
- Bottom quartile
- 21
- States affected
The verdict
Troy Capital, LLC ranks #1831 of 3,843 financial companies by CFPB complaint volume, with 50 complaints on record. On-time replies land at 88%, the 15th percentile for the 100+ complaint peer group.
- #1831
- of 3,843 companies by volume
- 88%
- on time (15th pctile)
- Debt collection
- most-complained product
- 21
- 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.
Troy Capital, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
88% Among the lowest higher than 15% 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 |
|---|---|
| 2014 | 1 |
| 2015 | 2 |
| 2016 | 6 |
| 2017 | 1 |
| 2018 | 4 |
| 2019 | 3 |
| 2020 | 4 |
| 2021 | 2 |
| 2022 | 3 |
| 2023 | 6 |
| 2024 | 8 |
| 2025 | 6 |
| 2026year in progress | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Troy Capital, LLC
The CFPB Consumer Complaint Database has logged 50 complaints against Troy Capital, LLC overall, with 9 of those filed in the trailing 12 months. Reports have come from consumers in 21 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Took or threatened to take negative or legal action" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Troy Capital, LLC draw a 88% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response carried a 22.2% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 2%.
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 Troy Capital, LLC have?
Troy Capital, LLC has 50 total consumer complaints filed with the CFPB, with 9 filed in the last 12 months.
Does Troy Capital, LLC respond to complaints on time?
CFPB complaints against Troy Capital, LLC draw a 88% timely-response rate inside the expected window.
What product generates the most complaints for Troy Capital, LLC?
"Debt collection" draws more CFPB complaints against Troy Capital, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Troy Capital, LLC?
The most common issue reported by consumers about Troy Capital, LLC is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Troy Capital, LLC?
You can file a complaint against Troy 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 Troy Capital, LLC?
Troy Capital, LLC has drawn CFPB complaints from 21 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Troy Capital, 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 (22.2% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Troy Capital, LLC have?
Troy Capital, LLC has 50 total consumer complaints filed with the CFPB, with 9 filed in the last 12 months.
Does Troy Capital, LLC respond to complaints on time?
CFPB complaints against Troy Capital, LLC draw a 88% timely-response rate inside the expected window.
What product generates the most complaints for Troy Capital, LLC?
"Debt collection" draws more CFPB complaints against Troy Capital, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Troy Capital, LLC?
The most common issue reported by consumers about Troy Capital, LLC is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against Troy Capital, LLC?
You can file a complaint against Troy 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 Troy Capital, LLC?
Troy Capital, LLC has drawn CFPB complaints from 21 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.