Credit bureau · complaint record
Capital Accounts complaints
Filed under Capital Accounts, LLC
Consumers have filed 1,485 complaints about Capital Accounts since 2013, 90 of them in the last 12 months (+2% on the year before). It answered 0% on time and closed 2% with relief for the customer. The most common problem is incorrect information on your report.
Poor response record. How it works
- Complaints on record
- 1,485
- Last 12 months
- 90
- Answered on time
- 0%
- Closed with relief
- 2%
- Last 30 days
- 2
- Rank
- #78 of 566
Since August 2013
+2% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 23, 2026
Most complained-about credit bureaus & report companies
Capital Accounts complaints by month
The busiest month was August 2021 (25 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Capital Accounts answered last 12 months
- Untimely response90100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/450% on time
- Relief for customers0/402.1% closed with relief
- Complaint trend10/15+2% vs last year
What Capital Accounts complaints are about
Top Capital Accounts problems last 12 months
Inside "Incorrect information on your report"
- Information belongs to someone else 57
- Account information incorrect 31
- Account status incorrect 24
- Old information reappears or never goes away 7
- Information is missing that should be on the report 3
- Public record information inaccurate 1
Where Capital Accounts complaints come from
Most complaints: Texas (198), California (174), Georgia (161), Florida (139), New York (118).
Capital Accounts compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Southern Auto FinanceCredit reporting | 9 | 104 | F |
| 2 | CashRepublicCredit reporting | 50 | 97 | C |
| 3 | Park HillCredit reporting | 56 | 90 | C |
| 4 | Capital AccountsCredit reporting | 10 | 90 | F |
| 5 | Universal AcceptanceCredit reporting | 49 | 89 | D |
| 6 | Happy MoneyCredit reporting | 51 | 87 | C |
| 7 | Madison AutoCredit reporting | 45 | 86 | D |
| 8 | Arivo AcceptanceCredit reporting | 22 | 81 | F |
Compare side by side: Capital Accounts vs Southern Auto Finance · Capital Accounts vs CashRepublic · Capital Accounts vs Park Hill · Capital Accounts vs Universal Acceptance
What people say about Capital Accounts
All experiencesNo experiences with Capital Accounts yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Capital Accounts complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 23, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Oct 21, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 16, 2026 | Credit reporting | Incorrect information on your reportInformation is missing that should be on the report | No timely reply |
| Oct 10, 2026 | Credit cards | Trouble using your cardCan't use card to make purchases | No timely reply |
| Oct 10, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | No timely reply |
| Oct 6, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | No timely reply |
| Oct 4, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | No timely reply |
| Sep 22, 2026 | Credit cards | Closing your accountCompany closed your account | No timely reply |
| Sep 16, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | No timely reply |
| Aug 30, 2026 | Credit cards | Closing your accountCompany closed your account | No timely reply |
| Aug 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Aug 21, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | No timely reply |
Questions about Capital Accounts
How many complaints does Capital Accounts have?
Capital Accounts has 1,485 complaints on record since August 2013, including 90 in the last 12 months and 2 in the last 30 days. That makes it number 497 of every company by complaints this year.
Does Capital Accounts respond to complaints?
Yes. Capital Accounts answered 0% of its complaints on time (within 15 days) and closed 2% with relief - money back or a fix. The rest were mostly closed with an explanation only. Its Response Score is 10/100 (grade F).
What do people complain about most with Capital Accounts?
The most common problems are incorrect information on your report (123), took or threatened to take negative or legal action (68), improper use of your report (43).
Is Capital Accounts legit?
Capital Accounts is a real company with a public complaint record: consumers have complained about it 1,485 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Capital Accounts legit? for the signals, red flags and how to protect yourself.
Are complaints about Capital Accounts going up or down?
Roughly level. There were 90 complaints in the last 12 months against 88 in the 12 before (+2%). See every month.
How do I file a complaint against Capital Accounts?
Complain to Capital Accounts in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Capital Accounts complaints come from?
Most come from Texas (198), California (174), Georgia (161). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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