What is the most common complaint against Capital ONE Financial Corporation?

The most common issue consumers report about Capital ONE Financial Corporation is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 17,106 complaints filed with the CFPB.

Are complaints against Capital ONE Financial Corporation increasing or decreasing?

Complaints against Capital ONE Financial Corporation have been stable. The company received 3,932 complaints in the last 12 months.

What is Capital ONE Financial Corporation's reputation grade?

Capital ONE Financial Corporation has a reputation grade of D (score: 54.2/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Capital ONE Financial Corporation respond to consumer complaints?

Capital ONE Financial Corporation has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 13% of cases.

In how many states does Capital ONE Financial Corporation operate?

Capital ONE Financial Corporation has received CFPB complaints from consumers in 53 states, with the most complaints from California (1,806 complaints).

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

Capital ONE Financial Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 53 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

6,968
Written notification about debt

2,455
Took or threatened to take negative or legal action

2,413
False statements or representation

1,891
Communication tactics

1,373
Cont'd attempts collect debt not owed

765

Data updated September 2026

CFPB complaint disposition

CCDB record capital-one-financial-corporation Capital ONE Financial Corporation

Grade D · 17,106 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #10 · compose #3504

VOL 17,106
GRADE D
12MO 3,932
STATES 53
TIMELY 100%
DISPUTE 13%
ISSUE Attempts to collect debt n…
RANK #10
COMPOSE #3,504

Volume peers

Nearest volume peer: Transworld Systems Inc (16,283 complaints)

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

Capital ONE Financial Corporation's 17,106 CFPB complaints sit next to Transworld Systems 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 →

Distributed filing map

Capital ONE Financial Corporation spreads filings across 53 states - California leads at only 10.6%

Despite a broad state map, Capital ONE Financial Corporation still sits volume #10 against composite #3,504 - the two RankMaps diverge by 3,494 places. Corpus placement method.

Most-even geography: Lead state under 15%; California still leads at 10.6% across 53 states
Seasonal peak: 2026-01 8.5%; 8–15% band · 294 filings
Divergent corpus ranks: #10 volume; #3,504 composite; Cleanest-composite ladder is 3,494 places worse than volume

How does Capital ONE Financial Corporation compare to its peers?

How does CAPITAL ONE FINANCIAL CORPORATION 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 ONE FINANCIAL … National average

Complaints (last 12 mo)lower is better

3,932

4,190

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

13%

10%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	6,968
Written notification about debt	2,455
Took or threatened to take negative or legal action	2,413
False statements or representation	1,891
Communication tactics	1,373
Cont'd attempts collect debt not owed	765
Disclosure verification of debt	594
Taking/threatening an illegal action	204
Threatened to contact someone or share information improperly	166
Improper contact or sharing of info	148

Where do complaints against Capital ONE Financial Corporation come from?

Capital ONE Financial Corporation's own per-state count, not a national baseline.

California

1,806
Texas

1,766
Florida

1,625
New York

1,249
Georgia

1,246
Pennsylvania

733
Illinois

725
Ohio

576

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Capital ONE Financial Corporation: 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: 17,106.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.9057907298078%.

4 peers

Know your rights before responding to Capital ONE Financial Corporation: 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.