This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade F 1,152 complaints

Capital Accounts, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade F.

Complaints by issue type

What consumers report about Capital Accounts, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record capital-accounts-llc Capital Accounts, LLC

Grade F · 1,152 CFPB filings · 71% timely · lead issue: Attempts to collect debt not owed · vol #138 · compose #520

  • VOL 1,152
  • GRADE F
  • 12MO 28
  • STATES 42
  • TIMELY 71%
  • DISPUTE 34%
  • ISSUE Attempts to collect debt n…
  • RANK #138
  • COMPOSE #520

Volume peers

Nearest volume peer: CLGF Holdco 1, LLC (1,147 complaints)

General Motors Financial Company, Inc.General Motors Financial Com…1,143Conn's, Inc.Conn's, Inc.1,146CLGF Holdco 1, LLCCLGF Holdco 1, LLC1,147Capital Accounts, LLC (this)Capital Accounts, LLC (this)1,152Stellar Recovery, Inc.Stellar Recovery, Inc.1,162
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Capital Accounts, LLC's 1,152 CFPB complaints sit next to CLGF Holdco 1, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 1,152 complaints break down

Every complaint issue type on record for Capital Accounts, LLC, not just the top ones shown above.

Reputation score breakdown

F
Composite reputation score
38.8/100
Capital Accounts, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
1,152
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
71%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
34%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Capital Accounts, LLC spreads filings across 42 states - Texas leads at only 13.0%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Texas still leads at 13.0% across 42 states
Even monthly load
Peak under 8%
Highest month 2025-12 at 7.6% (115 filings)
Corpus ranks
#138 volume
#520 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Capital Accounts, LLC compare to its peers?

How does Capital Accounts, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Capital Accounts, LLC National average
Complaints (last 12 mo)lower is better
28
440
268
Timely-response ratehigher is better
71%
94%
91%
Consumer-dispute ratelower is better
34%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Capital Accounts, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 8 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 10%15%20%25%30%35%40% Timely response rate (%) Dispute rate (%) Capital Accounts, LLC vs. 7 similar-volume peers, by response speed and dispute rate Capital Accounts, LLCConn's, Inc.General Motors Financial Company, Inc.Stellar Recovery, Inc.FirstPoint Collection ResourcesTENET HEALTHCARE CORPORATIONOcwen Financial CorporationR & B Corporation of Virginia
Source: CFPB Consumer Complaint Database

Capital Accounts, LLC's complaint volume in context

Capital Accounts, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

1,152 Top 3% higher than 97% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Capital Accounts, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
421
Written notification about debt
200
False statements or representation
143
Cont'd attempts collect debt not owed
114
Communication tactics
112
Took or threatened to take negative or legal action
67
Disclosure verification of debt
61
Threatened to contact someone or share information improperly
17
Improper contact or sharing of info
16
Taking/threatening an illegal action
1

Where do complaints against Capital Accounts, LLC come from?

Capital Accounts, LLC's own per-state count, not a national baseline.

Top states by complaints against Capital Accounts, LLC

Across 42 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Capital Accounts, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 1,152.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 70.87719298245614%.

4 peers

Know your rights before responding to Capital Accounts, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.