Total CFPB complaints
27
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 27 complaints
Capital Alliance Financial, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 9 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Capital Alliance Financial, LLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
4 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
4 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Disclosure verification of debt
Disclosure verification of debt
3 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
2 complaints
C
Grade C · 63.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Capital Alliance Financial, LLC?
Capital Alliance Financial, LLC has accumulated 27 total CFPB complaints across 9 states, with 0 filed in the most recent 12 months against 27 historical complaints before that window. The trailing-12-month volume represents 0.0% 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 "Taking/threatening an illegal action", narrowing to "Threatened to sue on too old debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 24% 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 9 states, led by Georgia with 7 and Michigan with 7, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.3/100 places Capital Alliance Financial, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Falling ↓
States active
9
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
24%
After company response
Reputation grade
C
63.3/100 composite
Response-quality profile
How Capital Alliance Financial, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 47.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 16.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Capital Alliance Financial, LLC compare to its peers?
Capital Alliance Finan… 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)
2014-04 2024-12
Top Consumer Issues
Taking/threatening an illegal action4 (%)
Cont'd attempts collect debt not owed3 (%)
Took or threatened to take negative or legal action3 (%)
Attempts to collect debt not owed4 (%)
Improper contact or sharing of info2 (%)
Disclosure verification of debt3 (%)
Written notification about debt2 (%)
Most common issue: Taking/threatening an illegal action — Threatened to sue on too old debt
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened to sue on too old debt | 4 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
Where do complaints against Capital Alliance Financial, LLC come from?
The states where consumers have filed the most CFPB complaints against Capital Alliance Financial, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Capital Alliance Financial, LLC
Across 9 states with at least one filing
- Georgia
Georgia
7 complaints
- Michigan
Michigan
7 complaints
- Minnesota
Minnesota
4 complaints
- Colorado 2
Colorado
2 complaints
- New Jersey 2
New Jersey
2 complaints
- Indiana 2
Indiana
2 complaints
- South Carolina 1
South Carolina
1 complaints
- Illinois 1
Illinois
1 complaints
Frequently Asked Questions
What is the most common complaint against Capital Alliance Financial, LLC? ▼
The most common issue consumers report about Capital Alliance Financial, LLC is "Taking/threatening an illegal action", 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: 63.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Capital Alliance Financial, 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 Alliance Financial, 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 |