Card issuer · complaint record
Capstone Capital USA complaints
Filed under Capstone Capital USA, LLC
Consumers have filed 24 complaints about Capstone Capital USA since 2023, 19 of them in the last 12 months. It answered 0% on time. The most common problem is incorrect information on your report. It is the 26th most complained-about of 52 credit card companies this year.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 24
- Last 12 months
- 19
- Answered on time
- 0%
- Closed with relief
- -
- Last 30 days
- 1
- Rank
- #26 of 52
Since March 2023
new vs the year before
Industry: 98.7%
Typical card issuer: 26%
Newest: Oct 20, 2026
Most complained-about credit card companies
Capstone Capital USA complaints by month
The busiest month was May 2026 (5 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Capstone Capital USA answered all time
- Untimely response24100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Capstone Capital USA complaints are about
Top Capstone Capital USA problems
Inside "Incorrect information on your report"
- Account information incorrect 3
- Account status incorrect 2
- Information belongs to someone else 1
- Information is incorrect 1
Where Capstone Capital USA complaints come from
Most complaints: Texas (8), North Carolina (3), Florida (3), New York (2), Ohio (1).
Capstone Capital USA compared with other credit card companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Mercury Financial IntermediateCredit cards | 54 | 206 | C |
| 2 | ExtoCredit cards | 36 | 201 | D |
| 3 | TomoCreditCredit cards | 50 | 92 | C |
| 4 | ZendableCredit cards | 58 | 48 | C |
| 5 | FizzCredit cards | 0 | 42 | F |
| 6 | Fidem BaltimoreCredit cards | 45 | 36 | D |
| 7 | Total CardCredit cards | 45 | 31 | D |
| 8 | Capstone Capital USACredit cards | - | 19 | - |
Compare side by side: Capstone Capital USA vs Mercury Financial Intermediate · Capstone Capital USA vs Exto · Capstone Capital USA vs TomoCredit · Capstone Capital USA vs Zendable
What people say about Capstone Capital USA
All experiencesNo experiences with Capstone Capital USA yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Capstone Capital USA complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 20, 2026 | Money transfers & apps | Other transaction problem | No timely reply |
| Sep 23, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | No timely reply |
| Sep 7, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
| Sep 5, 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 |
| Jul 27, 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 |
| Jul 24, 2026 | Credit cards | Closing your accountCompany closed your account | No timely reply |
| Jul 16, 2026 | Credit cards | Incorrect information on your reportInformation belongs to someone else | No timely reply |
| Jul 7, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | No timely reply |
| Jun 5, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | No timely reply |
| Jun 3, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | No timely reply |
| May 19, 2026 | Credit cards | Other features, terms, or problemsProblem with balance transfer | No timely reply |
| May 17, 2026 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | No timely reply |
Questions about Capstone Capital USA
How many complaints does Capstone Capital USA have?
Capstone Capital USA has 24 complaints on record since March 2023, including 19 in the last 12 months and 1 in the last 30 days. That makes it number 1,102 of every company by complaints this year.
Does Capstone Capital USA respond to complaints?
Yes. Capstone Capital USA answered 0% of its complaints on time (within 15 days) and closed - with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Capstone Capital USA?
The most common problems are incorrect information on your report (7), improper use of your report (4), problem with a purchase shown on your statement (3).
Is Capstone Capital USA legit?
Capstone Capital USA is a real company with a public complaint record: consumers have complained about it 24 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Capstone Capital USA legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Capstone Capital USA?
Complain to Capstone Capital USA 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 Capstone Capital USA complaints come from?
Most come from Texas (8), North Carolina (3), Florida (3). 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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