Total CFPB complaints
40
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 40 complaints
Capital Credit and Collection Service, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 12 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Capital Credit and Collection Service, Inc.
- Attempts to collect debt not owed
Attempts to collect debt not owed
15 complaints
- Written notification about debt
Written notification about debt
13 complaints
- False statements or representation 4
False statements or representation
4 complaints
- Communication tactics 3
Communication tactics
3 complaints
- Took or threatened to take negative or legal action 1
Took or threatened to take negative or legal action
1 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
C
Grade C · 63.0/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Capital Credit and Collection Service, Inc.?
Capital Credit and Collection Service, Inc. has accumulated 40 total CFPB complaints across 12 states, with 2 filed in the most recent 12 months against 38 historical complaints before that window. The trailing-12-month volume represents 5.0% 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 "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 93% timely-response rate against a 17% 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 12 states, led by Oregon with 22 and California with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.0/100 places Capital Credit and Collection Service, Inc. 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
2
5.0% of total history
Falling ↓
States active
12
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
C
63.0/100 composite
Response-quality profile
How Capital Credit and Collection Service, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.5%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 21.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Capital Credit and Collection Service, Inc. compare to its peers?
Capital Credit and Col… 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)
2018-04 2026-01
Top Consumer Issues
Attempts to collect debt not owed15 (%)
Written notification about debt13 (%)
False statements or representation4 (%)
Communication tactics3 (%)
Took or threatened to take negative or legal action1 (%)
Cont'd attempts collect debt not owed1 (%)
Disclosure verification of debt1 (%)
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 | 12 |
| Written notification about debt | Didn't receive enough information to verify debt | 10 |
| False statements or representation | Attempted to collect wrong amount | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Communication tactics | Frequent or repeated calls | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Cont'd attempts collect debt not owed | Debt is not mine | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
Where do complaints against Capital Credit and Collection Service, Inc. come from?
The states where consumers have filed the most CFPB complaints against Capital Credit and Collection Service, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Capital Credit and Collection Service, Inc.
Across 12 states with at least one filing
- Oregon
Oregon
22 complaints
- California 4
California
4 complaints
- Arizona 3
Arizona
3 complaints
- Virginia 2
Virginia
2 complaints
- Mississippi 2
Mississippi
2 complaints
- Texas 1
Texas
1 complaints
- New Jersey 1
New Jersey
1 complaints
- North Carolina 1
North Carolina
1 complaints
Frequently Asked Questions
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: 63.0/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Capital Credit and Collection Service, Inc. 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 Credit and Collection Service, Inc. 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 |