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CAPITAL ONE FINANCIAL CORPORATION recorded 700 complaints this week, compared with an 8-week baseline average of 701.5 per week. This puts it at 1.0x its own 8-week baseline, a Near baseline status, with top complaint products this week of Credit card (326), Credit reporting or other personal consumer reports (198), and Checking or savings account (80). It ranked 2 of 14 among banks by spike ratio this week, above the average spike ratio of 0.8 across all tracked banks. Complaints answered on time this week were 100.0%.

Category average spike ratio this week (banks): 0.8x — see the full category ranking.

12-week complaint volume

Week ending 2026-06-10 through 2026-08-26 (14-day lag buffer applied).

Spike ratio across tracked runs

9 recorded runs, 2026-07-14 through 2026-09-08 — this week vs. that run's own 8-week baseline each time (same spike-ratio math as above, tracked over separate runs of this site's data pipeline rather than within a single build). See How it works.

Top complaint products this week

• Credit card326
• Credit reporting or other personal consumer reports198
• Checking or savings account80
• Debt collection60
• Vehicle loan or lease24

Responsiveness & resolution this week

How CAPITAL ONE FINANCIAL CORPORATION's complaints were resolved this week:

• Closed with explanation52.6%
• In progress40.4%
• Closed with non-monetary relief4.7%
• Closed with monetary relief2.3%

"Public response rate" counts only complaints where CFPB asked the company to respond publicly, and measures how often it said something substantive instead of declining to comment — see How it works.

Complaints from Older American / Servicemember consumers

13.4% of CAPITAL ONE FINANCIAL CORPORATION's complaints this week were self-tagged by the consumer as coming from an Older American and/or Servicemember household (category average this week: 16.5%). This reflects who is filing complaints, not a finding about CAPITAL ONE FINANCIAL CORPORATION's conduct toward these consumers — see How it works.

What customers are saying

500 narratives, 2026-06-02 to 2026-07-01 (narrative text lags ~70 days behind the base complaint record — see How it works). Word size = relative frequency (square-root scaled, so no single word dominates).

33.4% of these narratives mention a fraud/scam-related word ("fraud", "scam", "unauthorized", "stolen", "identity theft", "phishing") — a keyword signal in consumers' own words, not a confirmed fraud finding by CFPB or CAPITAL ONE FINANCIAL CORPORATION.

Consumer language tone

A sample of 20 of 20 recent narratives, classified by tone. This reflects language patterns in what consumers wrote — it is not a finding about CAPITAL ONE FINANCIAL CORPORATION's conduct, not a clinical or validated sentiment measurement, and not a company ranking (see How it works).

• Calm20.0%
• Frustrated80.0%
• Severe0.0%

Distinctive complaint themes

Narrative terms that come up disproportionately more often in CAPITAL ONE FINANCIAL CORPORATION's complaints than across the CFPB database as a whole (score = how many times more common here than the industry-wide baseline — see Trends & records for that baseline). A word-frequency signal from a sample of 3,000 narratives, not a finding about the cause of any complaint.

• quicksilver 106.28x
• itinerary 102.02x
• determinations 68.02x
• exclusively 59.51x
• booking 45.7x
• savor 42.51x
• chronology 42.51x
• distinction 42.51x
• rebuttal 41.45x
• contradicted 39.68x

Where complaints go: product → issue → outcome

Last 90 days, 9,025 complaints. Two stages shown separately (not joined into one three-way table) because the issue→outcome counts are already combined across every product sharing that issue — see How it works.

Product → Issue

Issue → Company response