CFPB Consumer Complaint Profile
CAP Management Company
13 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 13
- Total complaints
- Below average
- 13
- Last 12 months
- 0%
- Timely response
- Bottom decile
- 6
- States affected
The verdict
CAP Management Company ranks #3408 of 3,843 financial companies by CFPB complaint volume, with 13 complaints on record. It posts a 0% on-time response rate, the 0th percentile among companies with 100+ complaints.
- #3408
- of 3,843 companies by volume
- 0%
- on time (0th pctile)
- Debt collection
- most-complained product
- 6
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
CAP Management Company vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
0% Among the lowest in the bottom 1% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2025 | 11 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for CAP Management Company
CAP Management Company carries 13 complaints in the CFPB's database, 13 of them filed within the past 12 months. Consumers spanning 6 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Took or threatened to take negative or legal action," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against CAP Management Company draw a 0% reply rate inside the Bureau's 15-day window. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Among resolved complaints, the consumer-relief closure rate is 0%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does CAP Management Company have?
The CFPB has logged 13 complaints against CAP Management Company to date, of which 13 came in over the last 12 months.
Does CAP Management Company respond to complaints on time?
CAP Management Company's CFPB timely-response rate is 0%. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for CAP Management Company?
The most complained-about product for CAP Management Company is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with CAP Management Company?
The most common issue reported by consumers about CAP Management Company is "Took or threatened to take negative or legal action." All complaint issues are listed above with their counts.
How do I file a complaint against CAP Management Company?
You can file a complaint against CAP Management Company directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about CAP Management Company?
Consumers in 6 states and territories have filed complaints about CAP Management Company with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.