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

CFPB complaint data Grade C 259 complaints

Capstone Credit & Collection, LLC. - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade C.

Complaints by issue type

What consumers report about Capstone Credit & Collection, LLC.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record capstone-credit-collection-llc Capstone Credit & Collection, LLC.

Grade C · 259 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #440 · compose #74

  • VOL 259
  • GRADE C
  • 12MO 51
  • STATES 22
  • TIMELY 100%
  • DISPUTE 17%
  • ISSUE Attempts to collect debt n…
  • RANK #440
  • COMPOSE #74

Volume peers

Nearest volume peer: Forster & Garbus LLP (260 complaints)

Duvera Billing Services, LLCDuvera Billing Services, LLC257Capstone Credit & Collection, LLC. (this)Capstone Credit & Collection…259Forster & Garbus LLPForster & Garbus LLP260Marauder CorporationMarauder Corporation2611st Franklin Financial Corporation1st Franklin Financial Corpo…262
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Capstone Credit & Collection, LLC.'s 259 CFPB complaints sit next to Forster & Garbus LLP 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 →

How the 259 complaints break down

Every complaint issue type on record for Capstone Credit & Collection, LLC., not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
56.1/100
Capstone Credit & Collection, LLC.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
259
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
17%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

72.2% of Capstone Credit & Collection, LLC.'s CFPB filings land in Florida

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Florida 72.2%
187 of 259 filings · 22 states touched
Seasonal peak
2022-10 9.4%
8–15% band · 3 filings
Corpus ranks
#440 volume
#74 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Capstone Credit & Collection, LLC. compare to its peers?

How does Capstone Credit & Collection, LLC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Capstone Credit & Collection, LLC. National average
Complaints (last 12 mo)lower is better
51
0
268
Timely-response ratehigher is better
100%
98%
91%
Consumer-dispute ratelower is better
17%
23%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Capstone Credit & Collection, LLC. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%50%100%150% 0%10%20%30% Timely response rate (%) Dispute rate (%) Capstone Credit & Collection, LLC. vs. 10 similar-volume peers, by response speed and dispute rate Capstone Credit & Collection, LLC.Forster & Garbus LLPDuvera Billing Services, LLCMarauder CorporationKEYCORPCredit Bureau Collection Services, Inc.1st Franklin Financial CorporationFinancial Data SystemsVW CreditSuttell, Hammer & White, P.SMobiloans, LLC
Source: CFPB Consumer Complaint Database

Capstone Credit & Collection, LLC.'s complaint volume in context

Capstone Credit & Collection, LLC. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

259 Top 8% higher than 92% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Capstone Credit & Collection, LLC. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
2022-10 2025-11

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
134
Written notification about debt
49
False statements or representation
33
Took or threatened to take negative or legal action
27
Communication tactics
8
Cont'd attempts collect debt not owed
4
Disclosure verification of debt
2
Threatened to contact someone or share information improperly
2

Where do complaints against Capstone Credit & Collection, LLC. come from?

Capstone Credit & Collection, LLC.'s own per-state count, not a national baseline.

Top states by complaints against Capstone Credit & Collection, LLC.

Across 22 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Capstone Credit & Collection, LLC.: 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: 259.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.59514170040485%.

4 peers

Know your rights before responding to Capstone Credit & Collection, LLC.: 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.