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

Data updated July 2026

F

Grade F · 42.2/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Capital Accounts, LLC ranks ahead of 5% of the 5,283 collectors PlainCollector grades - 95% keep a cleaner CFPB record, on 1,152 all-time complaints and a 71% timely-response rate.

5th pct
reputation rank of 5,283 graded collectors
1,152
CFPB complaints, all-time
71%
answered inside the CFPB window
28
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Capital Accounts, LLC?

Capital Accounts, LLC has accumulated 1,152 total CFPB complaints across 42 states, with 28 filed in the most recent 12 months against 1,124 historical complaints before that window. The trailing-12-month volume represents 2.4% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 71% timely-response rate against a 34% consumer-dispute-after-response rate.

Complaints have been recorded across 42 states, led by Texas with 150 and California with 147. Normalized against the full CFPB collector database, the reputation score of 42.2/100 places Capital Accounts, LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

1,152

high-volume (CCDB)

Last 12 months

28

2.4% of all-time complaints

Falling ↓

States active

42

multi-region footprint

Timely response rate

71%

below sla band

Consumer disputes

34%

high (vertical avg ~19%)

Reputation grade

F

42.2/100 composite

How does Capital Accounts, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

42 Bottom 5% higher than 5% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Capital Accounts, LLC versus the debt-collection vertical average.

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) 34.2%
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?

How does Capital Accounts, LLC compare? Versus a similar-volume peer and the national average, 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Capital Accounts, LLC contacts you

A grade of F signals how Capital Accounts, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Capital Accounts, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Capital Accounts, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 1,152 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: 42.2/100), 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).

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

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.