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

CFPB complaint data Grade D 17,106 complaints

Capital ONE Financial Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 53 states, reputation grade D.

Complaints by issue type

What consumers report about Capital ONE Financial Corporation

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 56.8/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Capital ONE Financial Corporation ranks ahead of 31% of the 5,283 collectors PlainCollector grades - 69% keep a cleaner CFPB record, on 17,106 all-time complaints and a 100% timely-response rate.

31st pct
reputation rank of 5,283 graded collectors
17,106
CFPB complaints, all-time
100%
answered inside the CFPB window
3,932
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Capital ONE Financial Corporation?

Capital ONE Financial Corporation has accumulated 17,106 total CFPB complaints across 53 states, with 3,932 filed in the most recent 12 months against 13,174 historical complaints before that window. The trailing-12-month volume represents 23.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft". The company posts a 100% timely-response rate against a 13% consumer-dispute-after-response rate.

Complaints have been recorded across 53 states, led by California with 1,806 and Texas with 1,766. Normalized against the full CFPB collector database, the reputation score of 56.8/100 places Capital ONE Financial Corporation in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

17,106

mega-volume (CCDB)

Last 12 months

3,932

23.0% of all-time complaints

Stable →

States active

53

nationwide footprint

Timely response rate

100%

excellent band

Consumer disputes

13%

average (vertical avg ~19%)

Reputation grade

D

56.8/100 composite

How does Capital ONE Financial Corporation's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 31st percentile higher than 31% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Capital ONE Financial Corporation versus the debt-collection vertical average.

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) 13.0%
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?

How does CAPITAL ONE FINANCIAL CORPORATION compare? Versus a similar-volume peer and the national average, 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%
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 Sub-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.

Top states by complaints against Capital ONE Financial Corporation

Across 53 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Capital ONE Financial Corporation contacts you

A grade of D signals how Capital ONE Financial Corporation's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Capital ONE Financial Corporation and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Capital ONE Financial Corporation ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 56.8/100), 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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.