Capital One Financial Corporation
164.5K 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 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
How Capital One Financial Corporation's 164.5K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary 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 |
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 CFPB Consumer Complaint Database
What the CFPB Record Shows About Capital One Financial Corporation
Capital One Financial Corporation's 164,516 logged complaints reach a nationwide footprint - 63 states have at least one filing on record. 42.3% 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 2011 through 2026-06-26.
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.
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 One Financial Corporation have?
164,516, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Capital One Financial Corporation respond to complaints on time?
99.9% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Capital One Financial Corporation?
"Incorrect information on your report", filed under the "Credit card" 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.