Auto lender · complaint record
CapitalCredit complaints
Filed under CapitalCredit LLC
Consumers have filed 22 complaints about CapitalCredit since 2023, 11 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is repossession. It is the 44th most complained-about of 193 auto lenders this year.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 22
- Last 12 months
- 11
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #44 of 193
Since July 2023
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Sep 4, 2026
Most complained-about auto lenders
CapitalCredit complaints by month
The busiest month was April 2026 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How CapitalCredit answered all time
- Closed with explanation22100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What CapitalCredit complaints are about
Top CapitalCredit problems
Inside "Repossession"
- Lender trying to repossess or disable the vehicle 2
- Loan balance remaining after the vehicle is repossessed and sold 1
- Company communicating payment assistance or payment extension options 1
Where CapitalCredit complaints come from
Most complaints: Texas (12), North Carolina (3), Virginia (2), California (2), Arizona (1).
CapitalCredit compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | CapitalCreditAuto loans & leases | - | 11 | - |
Compare side by side: CapitalCredit vs The Savings Group · CapitalCredit vs AC AutoPay LLC, Denver, CO Branch · CapitalCredit vs CARS Acquisition · CapitalCredit vs EA Holdings
What people say about CapitalCredit
All experiencesNo experiences with CapitalCredit yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest CapitalCredit complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 4, 2026 | Credit reporting | Incorrect information on your reportInformation is missing that should be on the report | Explained |
| Aug 10, 2026 | Auto loans & leases | RepossessionLender trying to repossess or disable the vehicle | Explained |
| Jul 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 20, 2026 | Auto loans & leases | RepossessionLender trying to repossess or disable the vehicle | Explained |
| Jun 16, 2026 | Credit cards | Fees or interestCharged too much interest | Explained |
| Jun 16, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Apr 28, 2026 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Apr 16, 2026 | Auto loans & leases | Managing the loan or leaseProblem with additional products or services purchased with the loan | Explained |
| Apr 9, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Mar 19, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 1, 2025 | Credit reporting | Problem with a company's investigation into an existing problemProblem with personal statement of dispute | Explained |
| Oct 23, 2025 | Auto loans & leases | Credit monitoring or identity theft protection servicesProblem with product or service terms changing | Explained |
Questions about CapitalCredit
How many complaints does CapitalCredit have?
CapitalCredit has 22 complaints on record since July 2023, including 11 in the last 12 months and 0 in the last 30 days. That makes it number 1,392 of every company by complaints this year.
Does CapitalCredit respond to complaints?
Yes. CapitalCredit answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with CapitalCredit?
The most common problems are repossession (4), took or threatened to take negative or legal action (2), incorrect information on your report (4).
Is CapitalCredit legit?
CapitalCredit is a real company with a public complaint record: consumers have complained about it 22 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is CapitalCredit legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against CapitalCredit?
Complain to CapitalCredit 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 CapitalCredit complaints come from?
Most come from Texas (12), North Carolina (3), Virginia (2). 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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