CFPB · Single-product concentration
Capstone Credit & Collection, LLC.
323 CFPB complaints · 80.5% in "Debt collection" · top issue Attempts to collect debt not owed.
Capstone Credit & Collection, LLC.: 80.5% of 323 CFPB complaints sit in "Debt collection". Timely 99.7% · relief 1.2%. Allegations, not findings.
- Single-product concentration
- +675% filings 2016 to 2026
CFPB relief outcome brief
CCDB company capstone-credit-collection-llc
1.2% relief · 99.7% timely · 323 filings · Debt collection
Same-product relief peers
Nearest relief peer: Financial Recovery Services, Inc. (1.2% relief)
Capstone Credit & Collection, LLC. closes 1.2% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Capstone Credit & Collection, LLC.'s 323 filings include narrative text
44.6% 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.
Capstone Credit & Collection, LLC. complaint mix by product
- Debt collection 260 80.5% – 2% relief
- Credit reporting 38 11.8% – 0% relief
- Credit reporting, 24 7.4% – 0% relief
- Mortgage 1 0.3% – 0% relief
How Capstone Credit & Collection, LLC.'s 323 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 260 |
| Credit reporting or other personal consumer reports | 38 |
| Credit reporting, credit repair services, or other personal consumer reports | 24 |
| Mortgage | 1 |
Concentrated filing states for Capstone Credit & Collection, LLC.
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 74% of this company's filings
Capstone Credit & Collection, LLC. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 31
- +675% vs 2016
Top States
| State | Complaints |
|---|---|
| FL | 239 |
| NC | 16 |
| GA | 11 |
| TX | 10 |
| NJ | 6 |
| NY | 5 |
| IL | 4 |
| WA | 3 |
| AL | 3 |
| SC | 3 |
| MO | 2 |
| MD | 2 |
| CT | 2 |
| OR | 2 |
| NV | 2 |
| PA | 1 |
| TN | 1 |
| CO | 1 |
| MA | 1 |
| RI | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 134 |
| Written notification about debt | 49 |
| False statements or representation | 34 |
| Incorrect information on your report | 29 |
| Took or threatened to take negative or legal action | 27 |
| Improper use of your report | 13 |
| Problem with a company's investigation into an existing problem | 9 |
| Problem with a credit reporting company's investigation into an existing problem | 8 |
| Communication tactics | 8 |
| Cont'd attempts collect debt not owed | 4 |
| Identity theft protection or other monitoring services | 2 |
| Disclosure verification of debt | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Credit monitoring or identity theft protection services | 1 |
| Applying for a mortgage or refinancing an existing mortgage | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2016 | 4 | 75% |
| 2017 | 27 | 100% |
| 2018 | 23 | 100% |
| 2019 | 32 | 100% |
| 2020 | 19 | 100% |
| 2021 | 20 | 100% |
| 2022 | 17 | 100% |
| 2023 | 32 | 100% |
| 2024 | 43 | 100% |
| 2025 | 75 | 100% |
| 2026 | 31 | 100% |
Source: CFPB Consumer Complaint Database
Capstone Credit & Collection, LLC. filings cluster in one product
Capstone Credit & Collection, LLC.'s 323 logged complaints stay concentrated: only 24 states show a filing. 44.6% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2016 through 2026-06-26.
Capstone Credit & Collection, LLC. answers 99.7% of complaints inside the CFPB's tracked window and closes 97.8% with a written explanation. 1.2% 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 Capstone Credit & Collection, LLC..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Capstone Credit & Collection, 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: 323.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.7%.
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 Capstone Credit & Collection, LLC. (99.7% timely; 1.2% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration