Debt collector · complaint record
F&M Capital complaints
Filed under F&M Capital LLC
Consumers have filed 22 complaints about F&M Capital since 2018, none in the last 12 months. It answered 90.9% on time and closed 0% with relief for the customer. The most common problem is threatened to contact someone or share information improperly.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 22
- Last 12 months
- 0
- Answered on time
- 90.9%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since August 2018
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Feb 14, 2024
F&M Capital complaints by month
The busiest month was January 2019 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How F&M Capital answered all time
- Closed with explanation2195.5%
- Untimely response14.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
Top F&M Capital problems
Inside "Threatened to contact someone or share information improperly"
- Talked to a third-party about your debt 6
- Contacted your employer 1
Where F&M Capital complaints come from
Most complaints: California (4), North Carolina (3), Michigan (2), Mississippi (1), Arizona (1).
F&M Capital compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | F&M CapitalDebt collection | - | 0 | - |
Compare side by side: F&M Capital vs Green Square · F&M Capital vs EMoneyUSA · F&M Capital vs Mullooly Jeffrey Rooney & Flynn · F&M Capital vs Credit World Services
What people say about F&M Capital
All experiencesNo experiences with F&M Capital yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest F&M Capital complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Feb 14, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Aug 23, 2019 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Jul 12, 2019 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jun 20, 2019 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jun 12, 2019 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| May 30, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 15, 2019 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | Explained |
| May 1, 2019 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Apr 23, 2019 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 11, 2019 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Mar 11, 2019 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Mar 9, 2019 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
Questions about F&M Capital
How many complaints does F&M Capital have?
F&M Capital has 22 complaints on record since August 2018, including 0 in the last 12 months and 0 in the last 30 days.
Does F&M Capital respond to complaints?
Yes. F&M Capital answered 90.9% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with F&M Capital?
The most common problems are threatened to contact someone or share information improperly (7), took or threatened to take negative or legal action (5), communication tactics (4).
Is F&M Capital legit?
F&M Capital is a real company with a public complaint record: consumers have complained about it 22 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is F&M Capital legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against F&M Capital?
Complain to F&M Capital in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most F&M Capital complaints come from?
Most come from California (4), North Carolina (3), Michigan (2). Big states file more complaints, so the map shows complaints per 100,000 people.
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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