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 |
|---|---|---|---|
| Jul 1, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt was paid | Explained |
| Jun 18, 2015 | Debt collection | Communication tacticsThreatened to take legal action | Explained |
| Jun 8, 2015 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | Explained |
| May 18, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| May 8, 2015 | Debt collection | Improper contact or sharing of infoTalked to a third party about my debt | Closed |
| May 6, 2015 | Debt collection | Communication tacticsThreatened to take legal action | Closed |
| Mar 31, 2015 | Debt collection | Communication tacticsThreatened to take legal action | Closed |
| Mar 20, 2015 | Debt collection | Taking/threatening an illegal actionThreatened arrest/jail if do not pay | Explained |
| Mar 17, 2015 | Debt collection | Communication tacticsFrequent or repeated calls | 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.
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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