Capital One
Ranked #48 of 75 by complaint volume · 1,238 complaints · 99.8% timely response
Capital One no longer services or originates home loans. It exited the mortgage business in 2017–2018; your loan was transferred to another servicer, and the terms did not change. Check your mortgage statement for your current servicer's name. Source, checked Sep 25, 2026
I haven't yet checked Capital One's phone numbers against its own website, so I don't list them here. The number printed on your mortgage statement is the one to use.
How Capital One Compares
For Capital One, "Loan servicing, payments, escrow account" accounts for 31.0% of CFPB mortgage complaints in this profile; volume rose 75% from 2024 to 2025, ranking it #48 of 75 mortgage servicers tracked here by CFPB complaint volume and in this tracked set's middle third; this profile has no linked CFPB enforcement action.
Compare the nearest profiles by complaint volume: EverBank and Regions Bank.
What Borrowers Complain About
Capital One borrowers' most common complaint category is "Loan servicing, payments, escrow account" at 31% of all complaints, followed by "Loan modification,collection,foreclosure" at 29.4%. The three most cited specific problems are: "account status incorrect" (0.2%), "application denials" (0.2%), "payment process" (0.2%).
The third most common category is "Application, originator, mortgage broker" at 9.9%, representing 122 complaints.
Other frequently cited problems include "other problem getting your report or credit score" (0.2%) and "old information reappears or never goes away" (0.2%).
Complaint volume varied (2022: 6, 2023: 1, 2024: 4, 2025: 7).
Most complaints involve Other mortgage (30.1%), followed by Conventional adjustable mortgage (ARM) (19.5%).
Capital One's consumer dispute rate of 20.6% is well above the 8.3% industry average — more borrowers disagree with how their complaints were resolved.
Complaints are geographically concentrated: California (214), New York (176), and Maryland (120) account for 41% of all complaints.
Complaint Volume Over Time
Annual Consumer Financial Protection Bureau complaint volume for Capital One from 2012 to present.
Annual Complaints — Capital One
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Recent Monthly Trend
Monthly complaint volume over the last 24 months.
Monthly Complaints — Capital One
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Top Complaint Issues
| Issue | Count | Share |
|---|---|---|
| Loan servicing, payments, escrow account | 384 | 31% |
| Loan modification,collection,foreclosure | 364 | 29.4% |
| Application, originator, mortgage broker | 122 | 9.9% |
| Trouble during payment process | 115 | 9.3% |
| Settlement process and costs | 61 | 4.9% |
| Applying for a mortgage or refinancing an existing mortgage | 53 | 4.3% |
| Credit decision / Underwriting | 46 | 3.7% |
| Struggling to pay mortgage | 42 | 3.4% |
| Closing on a mortgage | 25 | 2% |
| Other | 16 | 1.3% |
How Capital One Responds
Capital One closes 81.9% of complaints with an explanation — meaning they responded but did not necessarily fix the borrower's issue. The share of complaints closed with monetary relief was 5.3% to the borrower, which is notably above average. 7.9% received non-monetary relief such as account corrections or fee waivers. Borrowers disputed 20.6% of Capital One's responses — above the 8.3% industry average, indicating more borrowers felt their complaints were inadequately addressed.
| Response Type | Count | Share |
|---|---|---|
| Closed with explanation | 1,014 | 81.9% |
| Closed with non-monetary relief Non-monetary relief | 98 | 7.9% |
| Closed with monetary relief Monetary relief | 65 | 5.3% |
| Closed without relief | 51 | 4.1% |
| Closed with relief | 8 | 0.6% |
| Closed | 2 | 0.2% |
Top States by Complaint Volume
View all 46 locations
| State | Complaints |
|---|---|
| CA | 214 |
| NY | 176 |
| MD | 120 |
| NJ | 97 |
| VA | 86 |
| LA | 78 |
| TX | 54 |
| FL | 48 |
| AZ | 35 |
| IL | 30 |
| WA | 28 |
| GA | 27 |
| NC | 25 |
| CT | 20 |
| PA | 20 |
| DC | 17 |
| CO | 15 |
| MA | 13 |
| OR | 12 |
| MI | 11 |
| NV | 10 |
| SC | 10 |
| OH | 7 |
| MN | 6 |
| HI | 6 |
| WI | 6 |
| DE | 5 |
| TN | 5 |
| KY | 4 |
| AR | 4 |
| MO | 3 |
| MS | 3 |
| RI | 2 |
| IN | 2 |
| KS | 2 |
| UT | 2 |
| IA | 2 |
| ND | 2 |
| WV | 1 |
| NH | 1 |
| VT | 1 |
| ID | 1 |
| ME | 1 |
| MT | 1 |
| OK | 1 |
| AL | 1 |
Capital One's complaints concentrate in California (214), New York (176), and Maryland (120). These three states account for 41% of all complaints. If you're dealing with Capital One, check your state's foreclosure laws — protections vary significantly. Law pages for its top complaint states: California, New York and Maryland.
Enforcement Record
We don't list a CFPB enforcement action against Capital One. Our list is curated, so that isn't a finding that none exists; the CFPB's enforcement page is the full record. The database includes 1,238 complaints since 2012, one of the smaller complaint footprints among the top 75 servicers.
You can file a CFPB complaint about Capital One, which responded to 99.8% of complaints within the required timeframe.
Legal History
We list no enforcement actions, Department of Justice settlements, state attorney general actions or class actions for Capital One. That describes the cases we track, not a finding that none exist. Court dockets and your state attorney general's office are the places to check.
Search Capital One Complaints
Browse the 500 most recent complaints filed against Capital One. Filter by issue type, state, date range, or keyword. Try filtering by "Trouble during payment process" — it represents 31% of all complaints. Most complaints originate from California.
Know Your Rights with Capital One
File a CFPB Complaint
If Capital One is mishandling your mortgage, file a complaint with the CFPB. Capital One currently responds to 99.8% of complaints on time, ranking #12 of 75 servicers.
Send a Qualified Written Request
A qualified written request asks about servicing your mortgage account. The federal servicing guide explains which requests are covered, where they go, and the response requirements and exceptions.
Get Free Housing Counseling
A HUD-approved housing counselor can review Capital One's actions on your account, help you negotiate, and guide loss mitigation options — at no cost. If you're in California (their highest complaint state), find local help.
Find Legal Aid
If Capital One is violating federal servicing rules, a legal aid attorney may represent you for free. A complaint record describes reported problems, rather than a finding about your account.
Letters about your mortgage account
A qualified written request asks about servicing your loan. A notice of error identifies a servicing error. Federal rules have different requirements and exceptions for these letters; the guide to your rights explains them.
Disclaimer: Complaint counts reflect consumer-reported issues submitted to the CFPB and do not indicate wrongdoing. This data is provided for informational purposes only and should not be construed as legal or financial advice. Complaint volume correlates with servicer size — larger servicers with more customers naturally receive more complaints.
Questions about Capital One
How many complaints does Capital One have?
Capital One has 1,238 mortgage-related complaints in the CFPB database since 2012, ranking #48 out of the top 75 mortgage servicers by complaint volume. Their timely response rate is 99.8%, which is above the 98.8% average across the 75 largest servicers. Complaint volume rose 75% between 2024 and 2025. Their 20.6% consumer dispute rate is above the 8.3% industry average, suggesting more borrowers disagree with Capital One's complaint responses.
What is the most common complaint about Capital One?
The most common complaint category is "Loan servicing, payments, escrow account" at 31% of all complaints — payment processing problems — misapplied payments, escrow calculation errors, and billing disputes. Borrowers report payments credited late or to the wrong account, escrow shortages they weren't notified about, and unexplained fee charges. The most frequently cited specific problem is "account status incorrect" (0.2% of complaints). The second most common category is "Loan modification,collection,foreclosure" at 29.4%.
Has Capital One faced any CFPB enforcement actions?
We don't list a CFPB enforcement action against Capital One. Our list is curated, so that isn't a finding that none exists; the CFPB enforcement page is the full record. The database includes 1,238 complaints, ranking #48 by volume among the 75 largest servicers. You can file one at consumerfinance.gov/complaint; the CFPB sends it to the company, where the company can respond through the CFPB process.
How do I file a complaint against Capital One?
File at consumerfinance.gov/complaint. Select "Mortgage" as the product type and name Capital One as the company. Select "Other mortgage" as the sub-product — 30.1% of complaints against Capital One fall in this category. Describe your issue in detail — include dates, account numbers, and any written correspondence. The CFPB forwards your complaint to Capital One, where the company can respond through the CFPB process. You can also send a Qualified Written Request (QWR) under RESPA § 6 directly to the servicer, which has requirements and exceptions explained in the linked guide.
What does the timely response rate mean for Capital One?
The 99.8% timely response rate means Capital One responded to that share of complaints within the CFPB's applicable response window, ranking #12 of 75 servicers. The industry average is 98.8%. The share of complaints closed with monetary relief was 5.3% and 7.9% in non-monetary relief (such as account corrections or fee waivers). "Closed with explanation" — the most common outcome at 81.9% — means the servicer responded but did not necessarily resolve the borrower's issue.