CFPB Consumer Complaint Profile
Capital Accounts, LLC
Consumers have filed 1,419 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 1,419
- Total complaints
- Among the highest
- 83
- Last 12 months
- 64.3%
- Timely response
- Bottom decile
- 42
- States affected
The verdict
1,419 CFPB complaints put Capital Accounts, LLC at #266 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 64.3%, the 5th percentile for the 100+ complaint peer group.
- #266
- of 3,843 companies by volume
- 64.3%
- on time (5th pctile)
- Debt collection
- most-complained product
- 42
- 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.
Capital Accounts, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
64.3% Among the lowest higher than 5% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 46 in 2024 to 91 in 2025 (2024 → 2025).
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 |
|---|---|
| 2013 | 7 |
| 2014 | 37 |
| 2015 | 81 |
| 2016 | 100 |
| 2017 | 112 |
| 2018 | 156 |
| 2019 | 154 |
| 2020 | 181 |
| 2021 | 208 |
| 2022 | 129 |
| 2023 | 101 |
| 2024 | 46 |
| 2025 | 91 |
| 2026year in progress | 16 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Capital Accounts, LLC
The CFPB Consumer Complaint Database has logged 1,419 complaints against Capital Accounts, LLC overall, with 83 of those filed in the trailing 12 months. Reports have come from consumers in 42 states and territories, making this a nationwide complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Capital Accounts, LLC posts a 64.3% reply rate on forwarded complaints. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Consumers formally disputed the company's response at a 33.5% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, the consumer-relief closure rate is 1.9%.
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 Capital Accounts, LLC have?
1,419 complaints have been filed against Capital Accounts, LLC with the CFPB overall - 83 of them in the past year.
Does Capital Accounts, LLC respond to complaints on time?
Capital Accounts, LLC's CFPB timely-response rate is 64.3%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Capital Accounts, LLC?
The most complained-about product for Capital Accounts, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Capital Accounts, LLC?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Capital Accounts, LLC - see all issues and counts above.
How do I file a complaint against Capital Accounts, LLC?
You can file a complaint against Capital Accounts, LLC 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 Capital Accounts, LLC?
The CFPB has recorded complaints against Capital Accounts, LLC from 42 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Capital Accounts, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (1,419 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (33.5% here).
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.