Card issuer · complaint record
Is Capitol Credit Services legit?
Filed under Capitol Credit Services, Inc
Capitol Credit Services is a real card issuer with a public complaint record: 15 complaints since 2013, though none recently. It answered 13.3% on time and closed 100% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Rated once a company has 25+ complaints in 12 months. How it works
What the record shows
Good signs
Not enough on record to call any out yet.
Red flags
- Slow to answerOnly 13.3% of complaints answered on time.
- Some complaints never got a timely answer13 complaints are marked "untimely response".
From the complaint record only. A company can be legitimate and still not be right for you; a company with few complaints may simply be small.
- Complaints on record
- 15
- Last 12 months
- 0
- Answered on time
- 13.3%
- Closed with relief
- 100%
- Last 30 days
- 0
- Rank
- -
Since November 2013
new vs the year before
Industry: 98.7%
Typical card issuer: 26%
Newest: Jan 5, 2021
How to check Capitol Credit Services yourself
- Use contact details you found yourself. Go to the company's own website or the number on your card or statement - never a number or link from a text, email or caller.
- Check its licence. Banks should be on the FDIC's BankFind; credit unions with the NCUA. Many apps are not banks themselves - check which bank holds your money.
- Read the latest complaints. Look for the same problem again and again in the complaint log, and at how they were answered.
- Read people's own experiences. See what others say about Capitol Credit Services, and add yours.
- Get everything in writing before you pay, sign or share anything.
More: how to check if a company is legit · how to spot financial scams
Your rights with credit card companies
Under the Fair Credit Billing Act you have 60 days from the statement date to dispute a billing error in writing, and the issuer must investigate. Your liability for unauthorized charges is capped at $50 by law (and usually zero in practice). Issuers must give 45 days' notice before raising your interest rate or most fees.
General information, not legal advice; rules vary by state. Plain-English guides
Experiences with Capitol Credit Services
AllHave you dealt with Capitol Credit Services? Tell people whether it was legit in your experience.
Share yoursQuestions people ask
Is Capitol Credit Services a real company?
Capitol Credit Services is a real card issuer with a public complaint record: 15 complaints since 2013, though none recently. It answered 13.3% on time and closed 100% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Is Capitol Credit Services a scam?
Its record shows a real card issuer that answers complaints through the official process (13.3% on time). Scammers often pretend to be well-known companies, though: if someone contacts you claiming to be Capitol Credit Services, hang up or delete the message and contact the company using details you found yourself. Your card company will never ask you to read out a full card number, PIN or one-time code on a call it made. Hang up and call the number on the back of the card.
Can I trust Capitol Credit Services?
Look at the trend and the answers rather than the total: Capitol Credit Services closed 100% of complaints with relief and complaints are too new to show a trend. Read the experiences from people like you.
What should I do if Capitol Credit Services won't fix my problem?
Put it in writing to the company, keep copies, then file an official complaint - companies must answer. See what to do if a company ignores your complaint.
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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