What is the most common complaint against Capital Accounts, LLC?

The most common issue consumers report about Capital Accounts, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,152 complaints filed with the CFPB.

Are complaints against Capital Accounts, LLC increasing or decreasing?

Complaints against Capital Accounts, LLC are falling. The company received 28 complaints in the last 12 months, showing improvement over prior periods.

What is Capital Accounts, LLC's reputation grade?

Capital Accounts, LLC has a reputation grade of F (score: 38.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Capital Accounts, LLC respond to consumer complaints?

Capital Accounts, LLC has a 71% timely response rate to CFPB complaints. Consumers disputed the company's response in 34% of cases.

In how many states does Capital Accounts, LLC operate?

Capital Accounts, LLC has received CFPB complaints from consumers in 42 states, with the most complaints from Texas (150 complaints).

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

Capital Accounts, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 42 states, reputation grade F.

Compiled by PlainCollector

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

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 #4965

VOL 1,152
GRADE F
12MO 28
STATES 42
TIMELY 71%
DISPUTE 34%
ISSUE Attempts to collect debt n…
RANK #138
COMPOSE #4,965

Volume peers

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

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 →

Distributed filing map

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

Despite a broad state map, Capital Accounts, LLC still sits volume #138 against composite #4,965 - the two RankMaps diverge by 4,827 places. 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)
Divergent corpus ranks: #138 volume; #4,965 composite; Cleanest-composite ladder is 4,827 places worse than volume

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

440

268

Timely-response ratehigher is better

71%

94%

91%

Consumer-dispute ratelower is better

34%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Texas

150
California

147
Georgia

133
Florida

110
New York

88
North Carolina

42
Tennessee

40
Pennsylvania

39

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.