Total CFPB complaints
1,140
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,140 complaints
Capital Accounts, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 42 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Capital Accounts, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
409 complaints
- Written notification about debt
Written notification about debt
195 complaints
- False statements or representation 130
False statements or representation
130 complaints
- Cont'd attempts collect debt not owed 111
Cont'd attempts collect debt not owed
111 complaints
- Took or threatened to take negative or legal action 51
Took or threatened to take negative or legal action
51 complaints
- Disclosure verification of debt 43
Disclosure verification of debt
43 complaints
F
Grade F · 42.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Capital Accounts, LLC?
Capital Accounts, LLC has accumulated 1,140 total CFPB complaints across 42 states, with 25 filed in the most recent 12 months against 1,115 historical complaints before that window. The trailing-12-month volume represents 2.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 71% timely-response rate against a 34% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 42 states, led by Texas with 148 and California with 144, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 42.2/100 places Capital Accounts, LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
25
2.2% of total history
Rising ↑
States active
42
Distinct state filings
Timely response rate
71%
Within CFPB SLA window
Consumer disputes
34%
After company response
Reputation grade
F
42.2/100 composite
Response-quality profile
How Capital Accounts, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 70.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 68.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 75.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Capital Accounts, LLC compare to its peers?
Capital Accounts, LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-12 2026-01
Top Consumer Issues
Attempts to collect debt not owed409 (%)
Written notification about debt195 (%)
False statements or representation130 (%)
Cont'd attempts collect debt not owed111 (%)
Took or threatened to take negative or legal action51 (%)
Disclosure verification of debt43 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 246 |
| Written notification about debt | Didn't receive enough information to verify debt | 138 |
| False statements or representation | Attempted to collect wrong amount | 130 |
| Attempts to collect debt not owed | Debt was paid | 114 |
| Cont'd attempts collect debt not owed | Debt is not mine | 66 |
| Written notification about debt | Didn't receive notice of right to dispute | 57 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 51 |
| Attempts to collect debt not owed | Debt was result of identity theft | 49 |
| Cont'd attempts collect debt not owed | Debt was paid | 45 |
| Disclosure verification of debt | Not given enough info to verify debt | 43 |
Where do complaints against Capital Accounts, LLC come from?
The states where consumers have filed the most CFPB complaints against Capital Accounts, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Capital Accounts, LLC
Across 42 states with at least one filing
- Texas
Texas
148 complaints
- California
California
144 complaints
- Georgia
Georgia
133 complaints
- Florida
Florida
109 complaints
- New York
New York
87 complaints
- North Carolina 42
North Carolina
42 complaints
- Tennessee 39
Tennessee
39 complaints
- Pennsylvania 39
Pennsylvania
39 complaints
Frequently Asked Questions
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 1,140 complaints filed with the CFPB.
Are complaints against Capital Accounts, LLC increasing or decreasing? ▼
Complaints against Capital Accounts, LLC are rising. The company received 25 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Capital Accounts, LLC's reputation grade? ▼
Capital Accounts, LLC has a reputation grade of F (score: 42.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 (148 complaints).
What can I do if Capital Accounts, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Capital Accounts, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |