Debt collection
Direct Capital debt collection complaints
Consumers have filed 39 complaints about Direct Capital's debt collection, 1 in the last 12 months. Direct Capital answered 0% on time and closed - with relief. See the whole Direct Capital record.
Direct Capital against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Direct Capital | 1 | 0% | - |
Latest Direct Capital debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| May 19, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Oct 2, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Dec 22, 2021 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Oct 20, 2021 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Oct 4, 2021 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Sep 7, 2021 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 18, 2020 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Jul 21, 2020 | Debt collection | Communication tacticsCalled before 8am or after 9pm | Explained |
| May 16, 2020 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| May 1, 2020 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Mar 25, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Feb 3, 2020 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| Nov 7, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 29, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Aug 25, 2016 | Debt collection | Communication tacticsUsed obscene/profane/abusive language | Closed |
| Aug 4, 2016 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 16, 2016 | Debt collection | Communication tacticsThreatened to take legal action | Explained |
| May 17, 2016 | Debt collection | Taking/threatening an illegal actionThreatened arrest/jail if do not pay | Explained |
| Apr 26, 2016 | Debt collection | Communication tacticsThreatened to take legal action | Explained |
| Apr 12, 2016 | Debt collection | Communication tacticsFrequent or repeated calls | Closed |
| Apr 6, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt was discharged in bankruptcy | Explained |
| Oct 15, 2015 | Debt collection | Improper contact or sharing of infoContacted employer after asked not to | Explained |
| Sep 10, 2015 | Debt collection | Improper contact or sharing of infoContacted employer after asked not to | Explained |
| Sep 2, 2015 | Debt collection | False statements or representationIndicated committed crime not paying | Explained |
| Sep 1, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Aug 19, 2015 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 12, 2015 | Debt collection | Taking/threatening an illegal actionThreatened arrest/jail if do not pay | Explained |
| Aug 10, 2015 | Debt collection | Taking/threatening an illegal actionThreatened arrest/jail if do not pay | Explained |
| Jul 20, 2015 | Debt collection | Communication tacticsThreatened to take legal action | Explained |
| Jul 10, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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