Debt collection
F&M Capital debt collection complaints
Consumers have filed 22 complaints about F&M Capital's debt collection. See the whole F&M Capital record.
F&M 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 | F&M Capital | 0 | - | - |
Latest F&M Capital debt collection complaints
| 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 |
| Mar 8, 2019 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Feb 27, 2019 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Feb 7, 2019 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jan 30, 2019 | Debt collection | Communication tacticsCalled before 8am or after 9pm | Explained |
| Jan 11, 2019 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jan 9, 2019 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Dec 19, 2018 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Sep 7, 2018 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Aug 29, 2018 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Aug 16, 2018 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | 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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