Getting repeated calls, threats, or messages from Turnstile Capital Management (TCM) can be stressful. If they are calling you at odd hours, multiple times a day, or contacting others about your debt, these tactics may be illegal under the FDCPA. You have rights, and real legal remedies to stop harassment and protect your credit.
Who is Turnstile Capital Management?
| Fact | Details |
|---|---|
| Name | Turnstile Capital Management, LLC |
| Primary Office | 402 W Broadway #2000, San Diego, CA 92101 |
| Additional Office | 5109 S. Broadband Lane, Suite 400, Sioux Falls, SD 57108 |
| Phone Numbers | (619) 684‑7600 / 877‑411‑3582 |
| Industry | Third-party debt collection & asset management |
| Years in Business | Since May 8, 2012 |
| Entity Type | LLC |
| BBB Status | Not accredited; multiple complaints reported |
| NMLS ID | 986335 (consumer collection license) |
Turnstile is a third‑party debt collector and asset management service provider. It handles debt recovery and servicing for lenders and investors across multiple portfolios, including student loans and consumer debts
Is Turnstile Capital Management a Scam?
According to the Better Business Bureau website, Turnstile Capital Management has been in business for 7 years. As a collection agency, Turnstile Capital Management provides services that involve contacting debtors and recovering defaulted accounts, similar to other collection agencies in the industry. Read more here: Turnstile Capital Management Better Business Bureau.
Is Turnstile Capital Management Calling You Legal in 2026?
| Situation | Legal or Illegal? | Why It Matters |
|---|---|---|
| Calling between 8:00 a.m. and 9:00 p.m. | Legal | FDCPA allows contact only during reasonable hours |
| Calling before 8 a.m. or after 9 p.m. | Illegal | Considered harassment under federal law |
| Calling to inform you of a debt and request payment | Legal | Basic collection communication is permitted |
| Calling multiple times per day to pressure you | Illegal | Repeated calls intended to annoy or intimidate are prohibited |
| Calling after you request written communication only | Illegal | Collectors must respect your communication preferences |
| Contacting you after receiving a cease-and-desist letter | Illegal | All non-legal collection contact must stop |
| Calling your workplace after being told not to | Illegal | Workplace calls are restricted once objected to |
| Leaving voicemails that do not disclose debt details | Legal | Allowed if they avoid revealing the debt |
| Discussing your debt with family, neighbors, or coworkers | Illegal | Third-party disclosure is strictly prohibited |
| Calling to collect a debt you do not owe without verification | Illegal | Collectors must validate the debt upon request |
| Threatening lawsuits, arrest, or wage garnishment without legal basis | Illegal | False or misleading threats violate the FDCPA |
| Calling you after you hire an attorney | Illegal | All contact must go through your lawyer |
Many consumers assume any call from a debt collector is legal, that’s not true. Even one illegal call can give you the right to statutory damages up to $1,000, plus attorney fees.
Lawsuits & Legal Complaints Against Turnstile Capital Management
| Case | Court / Year | Type / Issue | Status / Notes |
|---|---|---|---|
| Renick v. Turnstile Capital Management | 6:15-cv-01774-CEM-TBS (Federal Court) | Debt collection harassment | Filed in 2015; involved repeated calls and abusive language |
| Hickman v. Turnstile Capital Management | 1:16-cv-02777-LMM (Federal Court) | FDCPA violation claim | Filed in 2016; alleged threats of wage garnishment |
| Smith v. Turnstile Capital Management | 2018 (State Court, CA) | Improper credit reporting | Case disputed inaccurate reporting to credit bureaus |
| Johnson v. Turnstile Capital Management | 2020 (Federal Court, SD) | Illegal communication tactics | Alleged multiple phone calls and contacting third parties |
How to Deal with Turnstile Capital Management Phone Calls?
1. Document Every Contact
Keep a log of every phone call, text, voicemail, and letter, including date/time and exactly what was said.
2. Request Debt Validation
Within 30 days of first contact, send a certified mail letter demanding that TCM verify the debt in writing. They must stop collection efforts until they do.
3. Send a Cease‑and‑Desist
A written request to stop calling must be honored, after you send it, collectors may only contact you to confirm receipt or to provide debt verification.
4. Dispute Inaccuracies with Credit Bureaus
If Turnstile has reported incorrect account information, file disputes with Experian, TransUnion, and Equifax.
5. Consult a Consumer Rights Attorney
If TCM violates the FDCPA, you may be entitled to statutory damages (up to ~$1,000 per violation), actual damages, and attorney’s fees.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Turnstile Capital Management harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Turnstile Capital Management, Inc. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “Consumer Rights Law Firm PLLC was a lifesaver. I was overwhelmed by constant calls from a debt collector, but their team quickly put an end to it. They treated me with respect and fought hard to protect my rights. I wish I had called them sooner.”
- 🏆 “I can’t thank Consumer Rights Law Firm PLLC enough. The harassment was affecting my job and personal life, but they stepped in and took immediate action. Within days, the calls stopped, and I finally felt in control again.”
- 🏆 “This law firm truly cares. They listened to my situation without judgment and immediately started working on my case. The communication was excellent, and the results were even better. Zero more calls from collectors!”
- 🏆 “Professional, fast, and effective. Consumer Rights Law Firm PLLC helped me hold the debt collectors accountable for their illegal behavior. I even got a settlement for the harassment I endured. Totally worth it!”
FAQs
Is TCM a scam?
No, Turnstile Capital Management has been in business for 7 years.
Can Turnstile Capital Management garnish my wages?
Yes, TCM can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can TCM sue me?
Yes, TCM can sue you so long as the debt is within the statute of limitations.
Can TCM arrest me?
TCM cannot arrest you simply for owing a debt. Arrest is only possible if a court order has been issued and ignored. Certain debts, such as unpaid child support or traffic violations, can result in legal actions like a warrant for arrest if a court order is disregarded. For example, unpaid child support is a type of debt that can lead to a warrant for arrest if you fail to comply with a court order.
