Debt collection
Capital One debt collection complaints
Consumers have filed 18,379 complaints about Capital One's debt collection, 3,796 in the last 12 months (+13%). Capital One answered 100% on time and closed 18% with relief. See the whole Capital One record.
Capital One against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Capital One | 3,796 | 100% | 18% |
Latest Capital One debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 29, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 28, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 28, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | In progress |
| Oct 28, 2026 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | In progress |
| Oct 28, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 28, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Oct 27, 2026 | Debt collection | Communication tacticsCalled before 8am or after 9pm | Explained |
| Oct 27, 2026 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Oct 27, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 27, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | In progress |
| Oct 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | In progress |
| Oct 26, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Oct 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Oct 26, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Fixed |
| Oct 26, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 26, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | In progress |
| Oct 26, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Oct 26, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Oct 26, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | In progress |
| Oct 26, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 26, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Oct 25, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | In progress |
| Oct 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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
Talk about Capital One
No comments yet. Start the conversation - questions are welcome too.