CFPB Consumer Complaint Profile
Capstone Credit & Collection, LLC.
Behind the 305 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
- 305
- Total complaints
- 78
- Last 12 months
- 99.7%
- Timely response
- 23
- States affected
The verdict
Capstone Credit & Collection, LLC. ranks #692 of 3,848 financial companies by CFPB complaint volume, with 305 complaints on record. Its on-time response rate is 99.7%, ahead of the 93% median among companies with 100+ complaints.
- #692
- of 3,848 companies by volume
- 99.7%
- answered on time
- Debt collection
- most-complained product
- 23
- 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 |
|---|---|
| 2016 | 4 |
| 2017 | 27 |
| 2018 | 23 |
| 2019 | 32 |
| 2020 | 19 |
| 2021 | 20 |
| 2022 | 17 |
| 2023 | 32 |
| 2024 | 43 |
| 2025 | 75 |
| 2026 | 13 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Capstone Credit & Collection, LLC.
305 complaints against Capstone Credit & Collection, LLC. appear in the CFPB record, including 78 from the trailing year. The 23 states and territories represented put this footprint in multi-regional territory. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. 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, Capstone Credit & Collection, LLC. answers 99.7% of forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. The company's response was formally disputed in 16.7% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 1.3% 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 Capstone Credit & Collection, LLC. have?
305 complaints have been filed against Capstone Credit & Collection, LLC. with the CFPB overall - 78 of them in the past year.
Does Capstone Credit & Collection, LLC. respond to complaints on time?
99.7% of the CFPB complaints against Capstone Credit & Collection, LLC. get a response within the expected window. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Capstone Credit & Collection, LLC.?
The most complained-about product for Capstone Credit & Collection, LLC. is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Capstone Credit & Collection, LLC.?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Capstone Credit & Collection, LLC. - see all issues and counts above.
How do I file a complaint against Capstone Credit & Collection, LLC.?
You can file a complaint against Capstone Credit & Collection, 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 Capstone Credit & Collection, LLC.?
Consumers in 23 states and territories have filed complaints about Capstone Credit & Collection, 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.
Similar complaint volume (~305)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.