CFPB Consumer Complaint Profile
Capital One Financial Corporation
Behind the 153,609 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 153,609
- Total complaints
- Among the highest
- 28,712
- Last 12 months
- 99.9%
- Timely response
- Top decile
- 62
- States affected
The verdict
Capital One Financial Corporation ranks #7 of 3,843 financial companies by CFPB complaint volume, with 153,609 complaints on record. On-time replies land at 99.9%, the 82nd percentile for the 100+ complaint peer group.
- #7
- of 3,843 companies by volume
- 99.9%
- on time (82nd pctile)
- Credit reporting or …
- most-complained product
- 62
- 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 One Financial Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.9% Top 18% higher than 82% 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 20,493 in 2024 to 34,092 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 |
|---|---|
| 2011 | 246 |
| 2012 | 3,877 |
| 2013 | 3,328 |
| 2014 | 3,343 |
| 2015 | 3,690 |
| 2016 | 4,260 |
| 2017 | 5,820 |
| 2018 | 7,678 |
| 2019 | 7,655 |
| 2020 | 9,775 |
| 2021 | 12,519 |
| 2022 | 13,504 |
| 2023 | 17,018 |
| 2024 | 20,493 |
| 2025 | 34,092 |
| 2026year in progress | 6,311 |
Complaints by State (Top 15)
Company Responses
Capital One Financial Corporation Complaint Concentration Profile
Capital One Financial Corporation is a high-volume CFPB cohort (153,609 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 104 named product lines in the stored breakdown, the leading three (Credit reporting or other personal consumer reports, Credit card or prepaid card, Credit reporting, credit repair services, or other personal consumer reports) hold a 45.8% share of product-tagged complaints. The Herfindahl index on that product mix is 0.109 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Incorrect information on your report, Improper use of your report, Managing an account) cover a 47.1% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, Florida, New York) hold a 30.2% share of state-tagged volume across 62 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 78.7% share among the 153,609 response-tagged complaints (120,957 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (34,092 complaints); the lightest year on file was 2011 (246). From 2024 to 2025, annual volume rose 66.4% (20,493 → 34,092). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Capital One Financial Corporation
Capital One Financial Corporation carries 153,609 complaints in the CFPB's database, 28,712 of them filed within the past 12 months. Consumers spanning 62 states and territories have weighed in, giving this a nationwide footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," 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 "Incorrect information on your report" - 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 One Financial Corporation posts a 99.9% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 18% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 20.7% closed with some form of monetary or non-monetary relief to 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, 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 One Financial Corporation have?
153,609 complaints have been filed against Capital One Financial Corporation with the CFPB overall - 28,712 of them in the past year.
Does Capital One Financial Corporation respond to complaints on time?
Capital One Financial Corporation has a 99.9% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Capital One Financial Corporation?
The most complained-about product for Capital One Financial Corporation is "Credit reporting or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Capital One Financial Corporation?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Capital One Financial Corporation - see all issues and counts above.
How do I file a complaint against Capital One Financial Corporation?
You can file a complaint against Capital One Financial Corporation 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 One Financial Corporation?
Consumers in 62 states and territories have filed complaints about Capital One Financial Corporation 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Capital One Financial Corporation: 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 (153,609 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (18% here).
Also handles Credit reporting 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.