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 2026-05-15
- 1,419
- Total complaints
- 83
- Last 12 months
- 64.3%
- Timely response
- 42
- States affected
The verdict
1,419 CFPB complaints put Capital Accounts, LLC at #265 out of 3,848 financial companies ranked by complaint volume. 64.3% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.
- #265
- of 3,848 companies by volume
- 64.3%
- answered on time
- Debt collection
- most-complained product
- 42
- states with complaints
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 |
| 2026 | 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 answers 64.3% of 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 in 33.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 1.9% closed with the consumer receiving monetary or non-monetary relief.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~1,419)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.