What is the most common complaint against Capital Alliance Financial, LLC?

The most common issue consumers report about Capital Alliance Financial, LLC is "Attempts to collect debt not owed", specifically "Threatened to sue on too old debt". This is based on 27 complaints filed with the CFPB.

Are complaints against Capital Alliance Financial, LLC increasing or decreasing?

Complaints against Capital Alliance Financial, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Capital Alliance Financial, LLC's reputation grade?

Capital Alliance Financial, LLC has a reputation grade of C (score: 59.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Capital Alliance Financial, LLC respond to consumer complaints?

Capital Alliance Financial, LLC has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 24% of cases.

In how many states does Capital Alliance Financial, LLC operate?

Capital Alliance Financial, LLC has received CFPB complaints from consumers in 9 states, with the most complaints from Georgia (7 complaints).

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

Capital Alliance Financial, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 9 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

5
Taking/threatening an illegal action

5
Cont'd attempts collect debt not owed

4
Took or threatened to take negative or legal action

3
False statements or representation

3
Disclosure verification of debt

3

Data updated September 2026

CFPB complaint disposition

CCDB record capital-alliance-financial-llc Capital Alliance Financial, LLC

Grade C · 27 CFPB filings · 93% timely · lead issue: Attempts to collect debt not owed · vol #1616 · compose #2416

VOL 27
GRADE C
12MO 0
STATES 9
TIMELY 93%
DISPUTE 24%
ISSUE Attempts to collect debt n…
RANK #1,616
COMPOSE #2,416

Volume peers

Nearest volume peer: AAA Auto Title Loans, LLC (27 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Capital Alliance Financial, LLC's 27 CFPB complaints sit next to AAA Auto Title Loans, 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 →

Filing geometry

Georgia is the plurality state for Capital Alliance Financial, LLC (25.9%)

Volume rank #1,616 and composite rank #2,416 diverge by 800 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Georgia 25.9%; Mid-band (15–30%) · 9 states with ≥1 filing
Seasonal peak: 2024-12 13.6%; 8–15% band · 6 filings
Divergent corpus ranks: #1,616 volume; #2,416 composite; Cleanest-composite ladder is 800 places worse than volume

How does Capital Alliance Financial, LLC compare to its peers?

How does Capital Alliance Financial, 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 Alliance Finan… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

96%

91%

Consumer-dispute ratelower is better

24%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-09 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	5
Taking/threatening an illegal action	5
Cont'd attempts collect debt not owed	4
Took or threatened to take negative or legal action	3
False statements or representation	3
Disclosure verification of debt	3
Written notification about debt	2
Improper contact or sharing of info	2

Where do complaints against Capital Alliance Financial, LLC come from?

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

Georgia

7
Michigan

7
Minnesota

4
Colorado

2
Indiana

2
New Jersey

2
Illinois

1
Kentucky

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Capital Alliance Financial, 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: 27.

4 peers

Know your rights before responding to Capital Alliance Financial, 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.