Capital Accounts, LLC
1.4K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
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
How Capital Accounts, LLC's 1.4K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Capital Accounts, LLC
Capital Accounts, LLC's 1,450 logged complaints reach a nationwide footprint - 42 states have at least one filing on record. 50.4% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2026-06-24.
Capital Accounts, LLC answers 63% of complaints inside the CFPB's tracked window and closes 85% with a written explanation. 1.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "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.
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.
Frequently Asked Questions
How many CFPB complaints does Capital Accounts, LLC have?
1,450, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Capital Accounts, LLC respond to complaints on time?
63% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Capital Accounts, LLC?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.