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.
- 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 →
Response Quality Score
Capital Accounts, LLC scores strongest on closed with explanation (72/100 percentile-benchmarked) and weakest on relief provided (9/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
9 / 100 percentile-benchmarked
1.9% of complaints closed with relief to the consumer
Timely response
35 / 100 percentile-benchmarked
63% of complaints answered inside the CFPB 15-day window
Closed with explanation
72 / 100 percentile-benchmarked
85% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where Capital Accounts, LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Capital Accounts, LLC files more complaint volume than 18% of them, and closes complaints with relief more often than 45% of them, placing it in the quadrant for lower volume, below-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 1,450 · Closed with relief: 1.9%
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