What is the most common complaint against Capstone Credit & Collection, LLC.?

The most common issue consumers report about Capstone Credit & Collection, LLC. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 259 complaints filed with the CFPB.

Are complaints against Capstone Credit & Collection, LLC. increasing or decreasing?

Complaints against Capstone Credit & Collection, LLC. have been stable. The company received 51 complaints in the last 12 months.

What is Capstone Credit & Collection, LLC.'s reputation grade?

Capstone Credit & Collection, LLC. has a reputation grade of C (score: 56.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Capstone Credit & Collection, LLC. respond to consumer complaints?

Capstone Credit & Collection, LLC. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Capstone Credit & Collection, LLC. operate?

Capstone Credit & Collection, LLC. has received CFPB complaints from consumers in 22 states, with the most complaints from Florida (187 complaints).

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

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

CFPB complaint profile across 22 states, reputation grade C.

Compiled by PlainCollector

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

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 #3131

VOL 259
GRADE C
12MO 51
STATES 22
TIMELY 100%
DISPUTE 17%
ISSUE Attempts to collect debt n…
RANK #440
COMPOSE #3,131

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Capstone Credit & Collection, LLC. is volume #440 but composite #3,131, while Florida dominates the geography. 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
Divergent corpus ranks: #440 volume; #3,131 composite; Cleanest-composite ladder is 2,691 places worse than volume

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 & Coll… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

98%

91%

Consumer-dispute ratelower is better

17%

23%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Florida

187
North Carolina

14
Georgia

9
Texas

9
New Jersey

6
Illinois

4
New York

4
Alabama

2

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.