Total CFPB complaints
15,922
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 15,922 complaints
CAPITAL ONE FINANCIAL CORPORATION — Debt Collector Complaint Profile
CFPB complaint profile across 53 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CAPITAL ONE FINANCIAL CORPORATION
- Attempts to collect debt not owed
Attempts to collect debt not owed
6,194 complaints
- Written notification about debt 2,169
Written notification about debt
2,169 complaints
- False statements or representation 1,493
False statements or representation
1,493 complaints
- Took or threatened to take negative or legal action 1,180
Took or threatened to take negative or legal action
1,180 complaints
- Communication tactics 768
Communication tactics
768 complaints
- Disclosure verification of debt 464
Disclosure verification of debt
464 complaints
D
Grade D · 56.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CAPITAL ONE FINANCIAL CORPORATION?
CAPITAL ONE FINANCIAL CORPORATION has accumulated 15,922 total CFPB complaints across 53 states, with 3,519 filed in the most recent 12 months against 12,403 historical complaints before that window. The trailing-12-month volume represents 22.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 13% 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 53 states, led by California with 1,691 and Texas with 1,566, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.8/100 places CAPITAL ONE FINANCIAL CORPORATION in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3,519
22.1% of total history
Rising ↑
States active
53
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
13%
After company response
Reputation grade
D
56.8/100 composite
Response-quality profile
How CAPITAL ONE FINANCIAL CORPORATION performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 26.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 94.6%
Share of US states + territories with at least one filed complaint against this collector.
How does CAPITAL ONE FINANCIAL CORPORATION compare to its peers?
CAPITAL ONE FINANCIAL … 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed6,194 (%)
Written notification about debt2,169 (%)
False statements or representation1,493 (%)
Took or threatened to take negative or legal action1,180 (%)
Communication tactics768 (%)
Disclosure verification of debt464 (%)
Cont'd attempts collect debt not owed357 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 was result of identity theft | 2,632 |
| Attempts to collect debt not owed | Debt is not yours | 2,527 |
| Written notification about debt | Didn't receive enough information to verify debt | 1,565 |
| False statements or representation | Attempted to collect wrong amount | 1,493 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1,180 |
| Attempts to collect debt not owed | Debt was paid | 1,035 |
| Communication tactics | Frequent or repeated calls | 768 |
| Written notification about debt | Didn't receive notice of right to dispute | 604 |
| Disclosure verification of debt | Not given enough info to verify debt | 464 |
| Cont'd attempts collect debt not owed | Debt is not mine | 357 |
Where do complaints against CAPITAL ONE FINANCIAL CORPORATION come from?
The states where consumers have filed the most CFPB complaints against CAPITAL ONE FINANCIAL CORPORATION. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CAPITAL ONE FINANCIAL CORPORATION
Across 53 states with at least one filing
- California
California
1,691 complaints
- Texas
Texas
1,566 complaints
- Florida
Florida
1,509 complaints
- New York
New York
1,169 complaints
- Georgia
Georgia
1,168 complaints
- Pennsylvania
Pennsylvania
710 complaints
- Illinois
Illinois
680 complaints
- Ohio 555
Ohio
555 complaints
Frequently Asked Questions
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 15,922 complaints filed with the CFPB.
Are complaints against CAPITAL ONE FINANCIAL CORPORATION increasing or decreasing? ▼
Complaints against CAPITAL ONE FINANCIAL CORPORATION are rising. The company received 3,519 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is CAPITAL ONE FINANCIAL CORPORATION's reputation grade? ▼
CAPITAL ONE FINANCIAL CORPORATION has a reputation grade of D (score: 56.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (1,691 complaints).
What can I do if CAPITAL ONE FINANCIAL CORPORATION 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 ONE FINANCIAL CORPORATION 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 |