What is the most common complaint against Capital Credit and Collection Service, Inc.?

The most common issue consumers report about Capital Credit and Collection Service, Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 40 complaints filed with the CFPB.

Are complaints against Capital Credit and Collection Service, Inc. increasing or decreasing?

Complaints against Capital Credit and Collection Service, Inc. are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.

What is Capital Credit and Collection Service, Inc.'s reputation grade?

Capital Credit and Collection Service, Inc. has a reputation grade of C (score: 59.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Capital Credit and Collection Service, Inc. respond to consumer complaints?

Capital Credit and Collection Service, Inc. has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Capital Credit and Collection Service, Inc. operate?

Capital Credit and Collection Service, Inc. has received CFPB complaints from consumers in 12 states, with the most complaints from Oregon (22 complaints).

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

Capital Credit and Collection Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

15
Written notification about debt

13
False statements or representation

4
Communication tactics

3
Disclosure verification of debt

2
Took or threatened to take negative or legal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record capital-credit-and-collection-service-inc Capital Credit and Collection Service, Inc.

Grade C · 40 CFPB filings · 93% timely · lead issue: Attempts to collect debt not owed · vol #1334 · compose #2474

VOL 40
GRADE C
12MO 2
STATES 12
TIMELY 93%
DISPUTE 17%
ISSUE Attempts to collect debt n…
RANK #1,334
COMPOSE #2,474

Volume peers

Nearest volume peer: AAS Debt Recovery, Inc. (40 complaints)

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

Capital Credit and Collection Service, Inc.'s 40 CFPB complaints sit next to AAS Debt Recovery, Inc. 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 →

State-heavy filing map

55.0% of Capital Credit and Collection Service, Inc.'s CFPB filings land in Oregon

High volume does not equal a clean composite: Capital Credit and Collection Service, Inc. is volume #1,334 but composite #2,474, while Oregon dominates the geography. Corpus placement method.

Dominant state: Oregon 55.0%; 22 of 40 filings · 12 states touched
Spike month: 2023-11 33.3%; 2 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,334 volume; #2,474 composite; Cleanest-composite ladder is 1,140 places worse than volume

How does Capital Credit and Collection Service, Inc. compare to its peers?

How does Capital Credit and Collection Service, Inc. 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 Credit and Col… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

93%

97%

91%

Consumer-dispute ratelower is better

17%

43%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-12 2025-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	15
Written notification about debt	13
False statements or representation	4
Communication tactics	3
Disclosure verification of debt	2
Took or threatened to take negative or legal action	1
Cont'd attempts collect debt not owed	1
Threatened to contact someone or share information improperly	1

Where do complaints against Capital Credit and Collection Service, Inc. come from?

Capital Credit and Collection Service, Inc.'s own per-state count, not a national baseline.

Oregon

22
California

4
Arizona

3
Mississippi

2
Virginia

2
Florida

1
Maryland

1
New Jersey

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Capital Credit and Collection Service, Inc.: 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: 40.

4 peers

Know your rights before responding to Capital Credit and Collection Service, Inc.: 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.