CFPB · Slower timely-response band
Capital Accounts, LLC
1.4K CFPB complaints · 63% timely (slow band) · top issue Attempts to collect debt not owed.
Capital Accounts, LLC answers 63% on time (lower third) across 1.4K filings. Relief 1.9% · top product Debt collection. Allegations, not findings.
- Volume rank #279 of 342
- Slower timely-response band
- +571.4% filings 2013 to 2026
CFPB relief outcome brief
CCDB company capital-accounts-llc
1.9% relief · 63% timely · 1.4K filings · Debt collection
Same-product relief peers
Nearest relief peer: ResidentCollect, Inc. (1.9% relief)
Capital Accounts, LLC closes 1.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Capital Accounts, LLC's 1.4K filings include narrative text
50.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Capital Accounts, LLC complaint mix by product
- Debt collection 1K 79.9% – 2% relief
- Credit reporting, 155 10.8% – 3% relief
- Credit reporting 76 5.3% – 0% relief
- Credit card 34 2.4% – 0% relief
- Checking or 18 1.3% – 0% relief
- Debt or 3 0.2% – 0% relief
- Money transfer, 3 0.2% – 0% relief
Lighter-volume mix: how Capital Accounts, LLC's 1.4K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 1.1K |
| Credit reporting, credit repair services, or other personal consumer reports | 155 |
| Credit reporting or other personal consumer reports | 76 |
| Credit card | 34 |
| Checking or savings account | 18 |
| Debt or credit management | 3 |
| Money transfer, virtual currency, or money service | 3 |
| Vehicle loan or lease | 3 |
| Credit reporting | 3 |
| Consumer Loan | 3 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Credit card or prepaid card | 1 |
| Payday loan, title loan, or personal loan | 1 |
Nationwide filing states for Capital Accounts, LLC
Top states by attributed volume, lighter-filing company
- Leading state
- TX
- 13.4% of this company's filings
Capital Accounts, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 47
- +571.4% vs 2013
Top States
| State | Complaints |
|---|---|
| TX | 195 |
| CA | 167 |
| GA | 161 |
| FL | 135 |
| NY | 115 |
| NC | 56 |
| PA | 52 |
| TN | 46 |
| MD | 45 |
| VA | 44 |
| NJ | 41 |
| IL | 39 |
| OH | 36 |
| SC | 34 |
| AL | 34 |
| MO | 28 |
| LA | 27 |
| MI | 22 |
| AZ | 16 |
| CO | 14 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 421 |
| Written notification about debt | 199 |
| False statements or representation | 143 |
| Incorrect information on your report | 119 |
| Cont'd attempts collect debt not owed | 114 |
| Communication tactics | 112 |
| Took or threatened to take negative or legal action | 65 |
| Disclosure verification of debt | 61 |
| Problem with a credit reporting company's investigation into an existing problem | 54 |
| Improper use of your report | 39 |
| Threatened to contact someone or share information improperly | 17 |
| Improper contact or sharing of info | 16 |
| Problem with a company's investigation into an existing problem | 14 |
| Credit monitoring or identity theft protection services | 11 |
| Managing an account | 9 |
| Fees or interest | 6 |
| Getting a credit card | 6 |
| Closing your account | 5 |
| Problem caused by your funds being low | 3 |
| Problem with a purchase shown on your statement | 3 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 7 | 100% |
| 2014 | 37 | 83.8% |
| 2015 | 81 | 81.5% |
| 2016 | 100 | 100% |
| 2017 | 112 | 99.1% |
| 2018 | 156 | 98.1% |
| 2019 | 154 | 98.7% |
| 2020 | 181 | 69.6% |
| 2021 | 208 | 0% |
| 2022 | 129 | 56.6% |
| 2023 | 101 | 92.1% |
| 2024 | 46 | 0% |
| 2025 | 91 | 0% |
| 2026 | 47 | 4.3% |
Source: CFPB Consumer Complaint Database
Capital Accounts, LLC in the slower-timely third
Capital Accounts, LLC's 1,450 logged complaints reach a nationwide footprint - 42 states have at least one filing. 50.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-06-24. Timely response 63% sits in the lower third of the corpus.
Capital Accounts, LLC answers 63% of complaints inside the CFPB's tracked window (timely band: slow) and closes 1.9% with relief; 85% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Capital Accounts, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Capital Accounts, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 1.4K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 63%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Capital Accounts, LLC (#279 of 342; 63% timely; 1.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band