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 20, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 20, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | In progress |
| Oct 20, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 20, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | In progress |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 19, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 19, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Oct 19, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | In progress |
| Oct 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Oct 18, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 18, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Oct 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 18, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 17, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 17, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 17, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 17, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 17, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 17, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Fixed |
| Oct 16, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 16, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Fixed |
| Oct 16, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 16, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 16, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | 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
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