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.
- Volume rank #7 of 342
- 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 →
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
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