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 2026-05-15
- 153,609
- Total complaints
- 28,712
- Last 12 months
- 99.9%
- Timely response
- 62
- States affected
The verdict
Capital One Financial Corporation ranks #7 of 3,848 financial companies by CFPB complaint volume, with 153,609 complaints on record. 99.9% of its complaints get an on-time reply, beating the 93% median for the 100+ complaint peer group.
- #7
- of 3,848 companies by volume
- 99.9%
- answered on time
- Credit reporting or …
- most-complained product
- 62
- 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 |
|---|---|
| 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 |
| 2026 | 6,311 |
Complaints by State (Top 15)
Company Responses
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 answers 99.9% of forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. In 18% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 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 (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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~153,609)
Also handles Credit reporting or other personal consumer reports
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.