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Data / Consumer complaints / Reel Time Capital LLC

Reel Time Capital LLC: 89 CFPB consumer complaints in the last 3 years

Reel Time Capital LLC drew 89 consumer complaints in the CFPB database in the three years to November 6, 2026, and 112 since 2020. The largest group, 79, was about debt collection, and the most common issue was “Took or threatened to take negative or legal action” with 21. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every debt collection companyGet debt collection in Texas
  • 89Complaints, last 3 years
  • 112Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 4Products
  • Oct 30, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 639
202528
202416
202318
20226
20214
20201

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection7988.8%
Credit reporting or other personal consumer reports66.7%
Payday loan, title loan, personal loan, or advance loan33.4%
Debt or credit management11.1%

Issues

IssueComplaintsShare
Took or threatened to take negative or legal action2123.6%
Attempts to collect debt not owed1415.7%
Communication tactics1314.6%
Written notification about debt1112.4%
False statements or representation1011.2%
Threatened to contact someone or share information improperly89%
Incorrect information on your report44.5%
Electronic communications22.2%
Can't contact lender or servicer11.1%
Confusing or missing disclosures11.1%
Credit monitoring or identity theft protection services11.1%
Loan payment wasn't credited to your account11.1%
Problem with a company's investigation into an existing problem11.1%
Problem with the payoff process at the end of the loan11.1%

How the company responded

Company responseComplaintsShare
Closed with explanation89100%

States

StateComplaintsShare
Texas2123.6%
Louisiana89%
South Carolina89%
Alabama66.7%
Kansas55.6%
Tennessee55.6%
Florida44.5%
Georgia44.5%
Michigan33.4%
Missouri33.4%
Ohio33.4%
Idaho22.2%
Maryland22.2%
Mississippi22.2%
North Carolina22.2%
Nevada22.2%
Arkansas11.1%
Arizona11.1%
California11.1%
Hawaii11.1%
Iowa11.1%
Kentucky11.1%
Minnesota11.1%
New Jersey11.1%
Wisconsin11.1%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 26, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 22, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 8, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 25, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 26, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
August 20, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
August 17, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 17, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 6, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 30, 2026Debt or credit managementConfusing or missing disclosuresClosed with explanationconsumerfinance.gov
July 17, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
July 13, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
July 9, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
June 22, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
June 12, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
June 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
May 28, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
May 1, 2026Credit reporting or other personal consumer reportsCredit monitoring or identity theft protection servicesClosed with explanationconsumerfinance.gov
April 29, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
April 13, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
April 6, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 6, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
March 26, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
March 25, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
March 6, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
March 4, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
March 3, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
March 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
February 28, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
February 26, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
January 6, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
January 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
December 26, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
December 3, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
November 14, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 23, 2025Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 21, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
October 10, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 29, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 25, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 22, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 17, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 13, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.