Debt collector · complaint record
Capstone Credit & Collection complaints
Filed under Capstone Credit & Collection, LLC.
Consumers have filed 356 complaints about Capstone Credit & Collection since 2016, 80 of them in the last 12 months (+18% on the year before). It answered 100% on time and closed 2% with relief for the customer - less often than a typical debt collector. The most common problem is attempts to collect debt not owed.
Average response record. How it works
- Complaints on record
- 356
- Last 12 months
- 80
- Answered on time
- 100%
- Closed with relief
- 2%
- Last 30 days
- 4
- Rank
- #238 of 1,963
Since September 2016
+18% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 27, 2026
Most complained-about debt collectors
Capstone Credit & Collection complaints by month
The busiest month was May 2025 (13 complaints). Complaints in the last 12 months are up 18% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Capstone Credit & Collection answered last 12 months
- Closed with non-monetary relief22.5%
- Closed with explanation7897.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers2/402.5% closed with relief
- Complaint trend8/15+18% vs last year
What Capstone Credit & Collection complaints are about
Top Capstone Credit & Collection problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 74
- Debt was result of identity theft 51
- Debt was paid 16
- Debt was already discharged in bankruptcy and is no longer owed 3
Where Capstone Credit & Collection complaints come from
Most complaints: Florida (267), North Carolina (16), Georgia (12), Texas (10), New Jersey (6).
Capstone Credit & Collection compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Stenger & Stenger, P.CDebt collection | 55 | 81 | C |
| 2 | Media CollectionsDebt collection | 91 | 81 | A |
| 3 | The Stark Collection AgencyDebt collection | 6 | 80 | F |
| 4 | Mechanics BankDebt collection | 61 | 80 | C |
| 5 | Tenaglia & Hunt, PADebt collection | 54 | 80 | C |
| 6 | TelerecoveryDebt collection | 9 | 80 | F |
| 7 | Capstone Credit & CollectionDebt collection | 55 | 80 | C |
| 8 | KLS Financial ServicesDebt collection | 8 | 79 | F |
Compare side by side: Capstone Credit & Collection vs Stenger & Stenger, P.C · Capstone Credit & Collection vs Media Collections · Capstone Credit & Collection vs The Stark Collection Agency · Capstone Credit & Collection vs Mechanics Bank
What people say about Capstone Credit & Collection
All experiencesNo experiences with Capstone Credit & Collection yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Capstone Credit & Collection complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 27, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 26, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Oct 23, 2026 | Credit reporting | Incorrect information on your reportInformation is incorrect | Explained |
| Oct 18, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 16, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 13, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 8, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Oct 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 5, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 5, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Sep 29, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 27, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Questions about Capstone Credit & Collection
How many complaints does Capstone Credit & Collection have?
Capstone Credit & Collection has 356 complaints on record since September 2016, including 80 in the last 12 months and 4 in the last 30 days. That makes it number 535 of every company by complaints this year.
Does Capstone Credit & Collection respond to complaints?
Yes. Capstone Credit & Collection answered 100% of its complaints on time (within 15 days) and closed 2% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 55/100 (grade C).
What do people complain about most with Capstone Credit & Collection?
The most common problems are attempts to collect debt not owed (144), false statements or representation (40), improper use of your report (19).
Is Capstone Credit & Collection legit?
Capstone Credit & Collection is a real company with a public complaint record: consumers have complained about it 356 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Capstone Credit & Collection legit? for the signals, red flags and how to protect yourself.
Are complaints about Capstone Credit & Collection going up or down?
Up. There were 80 complaints in the last 12 months against 68 in the 12 before (+18%). See every month.
How do I file a complaint against Capstone Credit & Collection?
Complain to Capstone Credit & Collection 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 Credit & Collection complaints come from?
Most come from Florida (267), North Carolina (16), Georgia (12). 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
Talk about Capstone Credit & Collection
No comments yet. Start the conversation - questions are welcome too.