Debt collector · complaint record
Fair Capital complaints
Consumers have filed 44 complaints about Fair Capital since 2019, 13 of them in the last 12 months (-35% on the year before). It answered 92.3% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 44
- Last 12 months
- 13
- Answered on time
- 92.3%
- Closed with relief
- 0%
- Last 30 days
- 1
- Rank
- #652 of 1,963
Since January 2019
-35% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 25, 2026
Most complained-about debt collectors
Fair Capital complaints by month
The busiest month was January 2025 (4 complaints). Complaints in the last 12 months are down 35% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Fair Capital answered all time
- Closed with explanation4397.7%
- Untimely response12.3%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Fair Capital complaints are about
Top Fair Capital problems
Inside "Attempts to collect debt not owed"
- Debt is not yours 13
- Debt was result of identity theft 3
- Debt was paid 2
Where Fair Capital complaints come from
Most complaints: Texas (11), California (7), Florida (6), New York (5), AE.
Fair 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 | Fair CapitalDebt collection | - | 13 | - |
Compare side by side: Fair Capital vs Green Square · Fair Capital vs EMoneyUSA · Fair Capital vs Mullooly Jeffrey Rooney & Flynn · Fair Capital vs Credit World Services
What people say about Fair Capital
All experiencesNo experiences with Fair Capital yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Fair Capital complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Sep 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 24, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 21, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jun 24, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 23, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 22, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Apr 17, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Apr 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 14, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 3, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Feb 1, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
Questions about Fair Capital
How many complaints does Fair Capital have?
Fair Capital has 44 complaints on record since January 2019, including 13 in the last 12 months and 1 in the last 30 days. That makes it number 1,303 of every company by complaints this year.
Does Fair Capital respond to complaints?
Yes. Fair Capital answered 92.3% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Fair Capital?
The most common problems are attempts to collect debt not owed (18), incorrect information on your report (8), took or threatened to take negative or legal action (7).
Is Fair Capital legit?
Fair Capital is a real company with a public complaint record: consumers have complained about it 44 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Fair Capital legit? for the signals, red flags and how to protect yourself.
Are complaints about Fair Capital going up or down?
Down. There were 13 complaints in the last 12 months against 20 in the 12 before (-35%). See every month.
How do I file a complaint against Fair Capital?
Complain to Fair 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 Fair Capital complaints come from?
Most come from Texas (11), California (7), Florida (6). 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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