Total CFPB complaints
247
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 247 complaints
Capstone Credit & Collection, LLC. — Debt Collector Complaint Profile
CFPB complaint profile across 21 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Capstone Credit & Collection, LLC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
127 complaints
- Written notification about debt 47
Written notification about debt
47 complaints
- False statements or representation 27
False statements or representation
27 complaints
- Took or threatened to take negative or legal action 22
Took or threatened to take negative or legal action
22 complaints
- Communication tactics 6
Communication tactics
6 complaints
- Cont'd attempts collect debt not owed 3
Cont'd attempts collect debt not owed
3 complaints
D
Grade D · 58.9/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Capstone Credit & Collection, LLC.?
Capstone Credit & Collection, LLC. has accumulated 247 total CFPB complaints across 21 states, with 63 filed in the most recent 12 months against 184 historical complaints before that window. The trailing-12-month volume represents 25.5% 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 is not yours", 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 17% 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 21 states, led by Florida with 178 and North Carolina with 14, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.9/100 places Capstone Credit & Collection, LLC. 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
63
25.5% of total history
Rising ↑
States active
21
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
58.9/100 composite
Response-quality profile
How Capstone Credit & Collection, LLC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 37.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Capstone Credit & Collection, LLC. compare to its peers?
Capstone Credit & Coll… 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)
2024-02 2026-03
Top Consumer Issues
Attempts to collect debt not owed127 (%)
Written notification about debt47 (%)
False statements or representation27 (%)
Took or threatened to take negative or legal action22 (%)
Communication tactics6 (%)
Cont'd attempts collect debt not owed3 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 is not yours | 65 |
| Attempts to collect debt not owed | Debt was result of identity theft | 44 |
| Written notification about debt | Didn't receive enough information to verify debt | 32 |
| False statements or representation | Attempted to collect wrong amount | 27 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 22 |
| Attempts to collect debt not owed | Debt was paid | 15 |
| Written notification about debt | Didn't receive notice of right to dispute | 15 |
| Communication tactics | Used obscene, profane, or other abusive language | 6 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
Where do complaints against Capstone Credit & Collection, LLC. come from?
The states where consumers have filed the most CFPB complaints against Capstone Credit & Collection, LLC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Capstone Credit & Collection, LLC.
Across 21 states with at least one filing
- Florida
Florida
178 complaints
- North Carolina 14
North Carolina
14 complaints
- Georgia 9
Georgia
9 complaints
- Texas 9
Texas
9 complaints
- New Jersey 6
New Jersey
6 complaints
- Illinois 4
Illinois
4 complaints
- New York 4
New York
4 complaints
- Oregon 2
Oregon
2 complaints
Frequently Asked Questions
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 247 complaints filed with the CFPB.
Are complaints against Capstone Credit & Collection, LLC. increasing or decreasing? ▼
Complaints against Capstone Credit & Collection, LLC. are rising. The company received 63 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Capstone Credit & Collection, LLC.'s reputation grade? ▼
Capstone Credit & Collection, LLC. has a reputation grade of D (score: 58.9/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 21 states, with the most complaints from Florida (178 complaints).
What can I do if Capstone Credit & Collection, LLC. 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 Capstone Credit & Collection, LLC. 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 |