CFPB · Heavy filing volume
Capital One Financial Corporation
164.5K CFPB complaints (heavy-volume third) · 63 states · top issue Incorrect information on your report.
Capital One Financial Corporation is in the heavy-volume third with 164.5K CFPB complaints (ranks #7 of 342). Timely 99.9% · relief 20.3% · top product Credit card. Allegations, not findings.
- Heavy filing volume
- +6925.7% filings 2011 to 2026
CFPB relief outcome brief
CCDB company capital-one-financial-corporation
20.3% relief · 99.9% timely · 164.5K filings · Credit card
Same-product relief peers
Nearest relief peer: First National Bank of Omaha (21.6% relief)
Capital One Financial Corporation closes 20.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Capital One Financial Corporation scores strongest on timely response (100/100 percentile-benchmarked) and weakest on closed with explanation (60/100), 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
95 / 100 percentile-benchmarked
20.3% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.9% of complaints answered inside the CFPB 15-day window
Closed with explanation
60 / 100 percentile-benchmarked
78.4% of complaints closed with an explanation to the consumer
Most of Capital One Financial Corporation's 164.5K filings include narrative text
42.3% 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 One Financial Corporation complaint mix by product
- Credit card 39K 24.6% – 28% relief
- Credit reporting 28K 18.1% – 19% relief
- Credit card 27K 16.9% – 27% relief
- Credit reporting, 22K 14.0% – 21% relief
- Checking or 20K 12.4% – 8% relief
- Debt collection 17K 11.0% – 15% relief
- Vehicle loan 5K 3.0% – 3% relief
Heavy-volume mix: how Capital One Financial Corporation's 164.5K complaints split across CFPB product categories. Resolution badge = % closed with relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit card | 38.7K |
| Credit reporting or other personal consumer reports | 28.4K |
| Credit card or prepaid card | 26.6K |
| Credit reporting, credit repair services, or other personal consumer reports | 22.1K |
| Checking or savings account | 19.5K |
| Debt collection | 17.3K |
| Vehicle loan or lease | 4.7K |
| Bank account or service | 2.4K |
| Money transfer, virtual currency, or money service | 1.4K |
| Mortgage | 1.2K |
| Consumer Loan | 1.2K |
| Credit reporting | 363 |
| Debt or credit management | 193 |
| Payday loan, title loan, or personal loan | 192 |
| Payday loan, title loan, personal loan, or advance loan | 86 |
| Prepaid card | 79 |
| Money transfers | 31 |
| Other financial service | 18 |
| Student loan | 10 |
| Payday loan | 5 |
Nationwide filing states for Capital One Financial Corporation
Top states by attributed volume, heavy-filing company
- Leading state
- CA
- 11% of this company's filings
Capital One Financial Corporation rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 17.2K
- +6925.7% vs 2011
Volume vs. relief
Where Capital One Financial Corporation sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Capital One Financial Corporation files more complaint volume than 98% of them, and closes complaints with relief more often than 82% of them, placing it in the quadrant for high volume, above-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: 164,516 · Closed with relief: 20.3%
Top States
| State | Complaints |
|---|---|
| CA | 18.1K |
| FL | 16.2K |
| TX | 15.3K |
| NY | 15.1K |
| GA | 9.3K |
| IL | 6.8K |
| NJ | 6.7K |
| PA | 6.5K |
| MD | 5.2K |
| NC | 4.9K |
| VA | 4.6K |
| OH | 4.6K |
| MA | 4.0K |
| MI | 3.8K |
| LA | 3.5K |
| AZ | 3.1K |
| TN | 2.4K |
| SC | 2.4K |
| WA | 2.2K |
| NV | 2.1K |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 26.6K |
| Improper use of your report | 17.9K |
| Managing an account | 13.7K |
| Problem with a purchase shown on your statement | 12.3K |
| Getting a credit card | 7.1K |
| Attempts to collect debt not owed | 7.0K |
| Other features, terms, or problems | 6.1K |
| Fees or interest | 5.8K |
| Problem with a credit reporting company's investigation into an existing problem | 5.6K |
| Problem with a company's investigation into an existing problem | 5.4K |
| Problem when making payments | 4.5K |
| Closing your account | 4.5K |
| Trouble using your card | 2.7K |
| Took or threatened to take negative or legal action | 2.5K |
| Written notification about debt | 2.5K |
| Closing an account | 2.4K |
| Billing disputes | 2.1K |
| Advertising and marketing, including promotional offers | 2.0K |
| Managing the loan or lease | 1.9K |
| False statements or representation | 1.9K |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2011 | 245 | 98.8% |
| 2012 | 3.9K | 99.6% |
| 2013 | 3.3K | 99.8% |
| 2014 | 3.3K | 99.1% |
| 2015 | 3.7K | 99.8% |
| 2016 | 4.3K | 99.8% |
| 2017 | 5.8K | 100% |
| 2018 | 7.7K | 100% |
| 2019 | 7.7K | 100% |
| 2020 | 9.8K | 100% |
| 2021 | 12.5K | 99.9% |
| 2022 | 13.5K | 100% |
| 2023 | 17.0K | 100% |
| 2024 | 20.5K | 100% |
| 2025 | 34.1K | 100% |
| 2026 | 17.2K | 100% |
Source: CFPB Consumer Complaint Database
Capital One Financial Corporation in the heavy-volume third
Capital One Financial Corporation's 164,516 logged complaints reach a nationwide footprint - 63 states have at least one filing. 42.3% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2011 through 2026-06-26. Volume lands in the heaviest third of the indexed company corpus (#7 of 342).
Capital One Financial Corporation answers 99.9% of complaints inside the CFPB's tracked window and closes 78.4% with a written explanation. 20.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit card" draws the most filings, most often for "Incorrect information on your report."
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 One Financial Corporation.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Capital One Financial Corporation: 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: 164.5K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.9%.
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 One Financial Corporation (#7 of 342; 99.9% timely; 20.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Heavy filing volume