CFPB Consumer Complaint Profile

Capital Alliance Financial, LLC

What 45 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

45
Total complaints
1
Last 12 months
93.3%
Timely response
15
States affected

The verdict

Among 3,848 financial companies tracked by CFPB complaint volume, Capital Alliance Financial, LLC sits at #1936, with 45 complaints logged. 93.3% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.

#1936
of 3,848 companies by volume
93.3%
answered on time
Debt collection
most-complained product
15
states with complaints
Capital Alliance Financial, LLC timely response rate 93.3%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Credit card 10
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 6
Debt collection - I do not know 5
Credit reporting or other personal consumer reports - Credit reporting 3
Debt collection - Other (i.e. phone, health club, etc.) 3
Debt collection - Credit card debt 3
Payday loan, title loan, or personal loan - Installment loan 2
Bank account or service - Other bank product/service 2
Debt collection - Auto 2
Debt collection - Other debt 1

Top Issues

1.Improper use of your report 7
2.Taking/threatening an illegal action 5
3.Attempts to collect debt not owed 5
4.Cont'd attempts collect debt not owed 4
5.Incorrect information on your report 4
6.Disclosure verification of debt 3
7.Took or threatened to take negative or legal action 3
8.False statements or representation 3
9.Written notification about debt 2
10.Improper contact or sharing of info 2

Complaints by Year

Year Complaints
2013 1
2014 9
2015 6
2016 4
2017 3
2018 4
2019 2
2020 2
2021 3
2022 2
2023 5
2024 3
2025 1

Complaints by State (Top 15)

Michigan 9
Georgia 8
Minnesota 4
New Jersey 4
New York 3
Texas 2
Florida 2
South Carolina 2
Colorado 2
California 2
Illinois 2
Indiana 2
Mississippi 1
Missouri 1
Kentucky 1

Company Responses

Closed with explanation 45

What the CFPB Complaint Record Shows for Capital Alliance Financial, LLC

Capital Alliance Financial, LLC carries 45 complaints in the CFPB's database, 1 of them filed within the past 12 months. Consumers spanning 15 states and territories have weighed in, giving this a multi-regional footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Improper use of your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

93.3% of CFPB-forwarded complaints against Capital Alliance Financial, LLC get a reply inside the Bureau's 15-day window. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. In 20% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 0% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

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 Alliance Financial, LLC have?

45 complaints have been filed against Capital Alliance Financial, LLC with the CFPB overall - 1 of them in the past year.

Does Capital Alliance Financial, LLC respond to complaints on time?

93.3% of the CFPB complaints against Capital Alliance Financial, LLC get a response within the expected window.

What product generates the most complaints for Capital Alliance Financial, LLC?

The most complained-about product for Capital Alliance Financial, LLC is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Capital Alliance Financial, LLC?

Consumers most often cite "Improper use of your report" when complaining about Capital Alliance Financial, LLC; the full issue list with counts is above.

How do I file a complaint against Capital Alliance Financial, LLC?

You can file a complaint against Capital Alliance Financial, 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 Alliance Financial, LLC?

Consumers in 15 states and territories have filed complaints about Capital Alliance Financial, LLC 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.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.