CFPB Consumer Complaint Profile
Capital Credit and Collection Service, Inc.
58 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
- 58
- Total complaints
- Mid-range
- 2
- Last 12 months
- 94.8%
- Timely response
- Below median
- 20
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Capital Credit and Collection Service, Inc. has accumulated 58 complaints, placing it #1697 by volume. On-time replies land at 94.8%, the 29th percentile for the 100+ complaint peer group.
- #1697
- of 3,843 companies by volume
- 94.8%
- on time (29th pctile)
- Credit reporting, cr…
- most-complained product
- 20
- 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 Credit and Collection Service, Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
94.8% Around the middle higher than 29% 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 |
|---|---|
| 2013 | 1 |
| 2015 | 3 |
| 2016 | 1 |
| 2017 | 4 |
| 2018 | 8 |
| 2019 | 7 |
| 2020 | 4 |
| 2021 | 11 |
| 2022 | 7 |
| 2023 | 2 |
| 2024 | 7 |
| 2025 | 2 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Capital Credit and Collection Service, Inc.
The CFPB Consumer Complaint Database has logged 58 complaints against Capital Credit and Collection Service, Inc. overall, with 2 of those filed in the trailing 12 months. Reports have come from consumers in 20 states and territories, making this a multi-regional complaint footprint. "Credit reporting, credit repair services, or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Capital Credit and Collection Service, Inc. posts a 94.8% reply rate on forwarded complaints. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. Resolved cases drew a formal consumer-dispute rate of 16.7% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 3.4% rate.
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 Credit and Collection Service, Inc. have?
The CFPB has logged 58 complaints against Capital Credit and Collection Service, Inc. to date, of which 2 came in over the last 12 months.
Does Capital Credit and Collection Service, Inc. respond to complaints on time?
Capital Credit and Collection Service, Inc. has a 94.8% timely response rate to CFPB complaints.
What product generates the most complaints for Capital Credit and Collection Service, Inc.?
"Credit reporting, credit repair services, or other personal consumer reports" draws more CFPB complaints against Capital Credit and Collection Service, Inc. than any other product - see the full breakdown above.
What is the most common complaint issue with Capital Credit and Collection Service, Inc.?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Capital Credit and Collection Service, Inc.; the full issue list with counts is above.
How do I file a complaint against Capital Credit and Collection Service, Inc.?
You can file a complaint against Capital Credit and Collection Service, Inc. 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 Credit and Collection Service, Inc.?
The CFPB has recorded complaints against Capital Credit and Collection Service, Inc. from 20 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 Credit and Collection Service, Inc.: 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 dispute rates
Nearest companies by share of complaints marked disputed (16.7% here).
Also handles Credit reporting, credit repair services, or other personal consumer reports
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.