Capital One Financial Corporation Consumer Complaints
Capital One Financial Corporation has received 155,631 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 155,631 total complaints on file with the CFPB.
- Most complaints are about Credit card (35,421).
- Timely response rate: 99.9%.
- Consumer disputed rate: 18.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against Capital One Financial Corporation break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Credit card | 35,421 | 22.8% |
| Credit card or prepaid card | 26,578 | 17.1% |
| Credit reporting or other personal consumer reports | 25,370 | 16.3% |
| Credit reporting, credit repair services, or other personal consumer reports | 22,066 | 14.2% |
| Checking or savings account | 18,603 | 12.0% |
| Debt collection | 15,995 | 10.3% |
| Vehicle loan or lease | 4,411 | 2.8% |
| Bank account or service | 2,445 | 1.6% |
| Money transfer, virtual currency, or money service | 1,358 | 0.9% |
| Mortgage | 1,245 | 0.8% |
| Consumer Loan | 1,212 | 0.8% |
| Credit reporting | 363 | 0.2% |
| Payday loan, title loan, or personal loan | 192 | 0.1% |
| Debt or credit management | 169 | 0.1% |
| Payday loan, title loan, personal loan, or advance loan | 70 | 0.0% |
| Prepaid card | 70 | 0.0% |
| Money transfers | 31 | 0.0% |
| Other financial service | 18 | 0.0% |
| Student loan | 9 | 0.0% |
| Payday loan | 5 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Capital One Financial Corporation.
Company Response Breakdown
When consumers file complaints, Capital One Financial Corporation responds in one of several ways. The breakdown below shows how Capital One Financial Corporation has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 122,603 | 78.8% |
| Closed with non-monetary relief | 19,554 | 12.6% |
| Closed with monetary relief | 10,996 | 7.1% |
| Closed without relief | 1,129 | 0.7% |
| In progress | 788 | 0.5% |
| Closed with relief | 383 | 0.2% |
| Closed | 177 | 0.1% |
| Untimely response | 1 | 0% |
Complaints by State
Top states where consumers have filed complaints against Capital One Financial Corporation.
| State | Complaints |
|---|---|
| California | 17,083 |
| Florida | 15,181 |
| New York | 14,360 |
| Texas | 14,276 |
| Georgia | 8,781 |
| Illinois | 6,420 |
| New Jersey | 6,370 |
| Pennsylvania | 6,195 |
| Maryland | 4,938 |
| North Carolina | 4,634 |
| Virginia | 4,421 |
| Ohio | 4,303 |
| Massachusetts | 3,793 |
| Michigan | 3,598 |
| Louisiana | 3,300 |
| Arizona | 2,955 |
| Tennessee | 2,297 |
| South Carolina | 2,225 |
| Washington | 2,029 |
| Nevada | 1,976 |
Your Rights
What to do if you have a complaint against Capital One Financial Corporation
- Contact Capital One Financial Corporation directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Capital One Financial Corporation have?
Capital One Financial Corporation has 155,631 consumer complaints on file with the CFPB as of our last data refresh.
-
What is the most common complaint about Capital One Financial Corporation?
The most common issue reported is Incorrect information on your report with 24,510 complaints.
-
How do I file a complaint against Capital One Financial Corporation?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
-
Does Capital One Financial Corporation respond to complaints on time?
Capital One Financial Corporation has a 99.9% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.