CFPB Consumer Complaint Profile
Mitsubishi Hc Capital (U.S.a.) Inc.
Consumers have filed 21 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 21
- Total complaints
- Mid-range
- 8
- Last 12 months
- 100%
- Timely response
- Top decile
- 11
- States affected
The verdict
21 CFPB complaints put Mitsubishi Hc Capital (U.S.a.) Inc. at #2800 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #2800
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Credit reporting or …
- most-complained product
- 11
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Mitsubishi Hc Capital (U.S.a.) Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% 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
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2023 | 7 |
| 2024 | 5 |
| 2025 | 7 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Mitsubishi Hc Capital (U.S.a.) Inc.
Mitsubishi Hc Capital (U.S.a.) Inc. carries 21 complaints in the CFPB's database, 8 of them filed within the past 12 months. Consumers spanning 11 states and territories have weighed in, giving this a geographically concentrated 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. The specific issue named most within that category is "Improper use of your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Mitsubishi Hc Capital (U.S.a.) Inc. posts a 100% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, 0% 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 Mitsubishi Hc Capital (U.S.a.) Inc. have?
The CFPB has logged 21 complaints against Mitsubishi Hc Capital (U.S.a.) Inc. to date, of which 8 came in over the last 12 months.
Does Mitsubishi Hc Capital (U.S.a.) Inc. respond to complaints on time?
Mitsubishi Hc Capital (U.S.a.) Inc.'s CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Mitsubishi Hc Capital (U.S.a.) Inc.?
Among all products tied to Mitsubishi Hc Capital (U.S.a.) Inc., "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Mitsubishi Hc Capital (U.S.a.) Inc.?
The most common issue reported by consumers about Mitsubishi Hc Capital (U.S.a.) Inc. is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against Mitsubishi Hc Capital (U.S.a.) Inc.?
You can file a complaint against Mitsubishi Hc Capital (U.S.a.) 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 Mitsubishi Hc Capital (U.S.a.) Inc.?
Mitsubishi Hc Capital (U.S.a.) Inc. has drawn CFPB complaints from 11 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Mitsubishi Hc Capital (U.S.a.) Inc. have?
The CFPB has logged 21 complaints against Mitsubishi Hc Capital (U.S.a.) Inc. to date, of which 8 came in over the last 12 months.
Does Mitsubishi Hc Capital (U.S.a.) Inc. respond to complaints on time?
Mitsubishi Hc Capital (U.S.a.) Inc.'s CFPB timely-response rate is 100%. This is considered excellent.
What product generates the most complaints for Mitsubishi Hc Capital (U.S.a.) Inc.?
Among all products tied to Mitsubishi Hc Capital (U.S.a.) Inc., "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Mitsubishi Hc Capital (U.S.a.) Inc.?
The most common issue reported by consumers about Mitsubishi Hc Capital (U.S.a.) Inc. is "Improper use of your report." All complaint issues are listed above with their counts.
How do I file a complaint against Mitsubishi Hc Capital (U.S.a.) Inc.?
You can file a complaint against Mitsubishi Hc Capital (U.S.a.) 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 Mitsubishi Hc Capital (U.S.a.) Inc.?
Mitsubishi Hc Capital (U.S.a.) Inc. has drawn CFPB complaints from 11 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.