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CAPITAL ONE FINANCIAL CORPORATION had 705 complaints this week, compared with an 8-week baseline average of 707.0 per week, or 1.0x its own 8-week baseline, a status labeled Near baseline. Top complaint products this week were Credit card (310), Credit reporting or other personal consumer reports (196), and Checking or savings account (113). Complaints answered on time this week were 100.0%. It ranked 6 of 14 among banks by spike ratio, while the average spike ratio across all tracked banks this week was 0.9.

Category average spike ratio this week (banks): 0.9x — see the full category ranking.

12-week complaint volume

Week ending 2026-06-15 through 2026-08-31 (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 card310
• Credit reporting or other personal consumer reports196
• Checking or savings account113
• Debt collection54
• Money transfer, virtual currency, or money service13

Responsiveness & resolution this week

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

• Closed with explanation50.5%
• In progress43.3%
• Closed with non-monetary relief4.0%
• 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

13.0% 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: 19.6%). 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

Narrative word cloud not yet generated for CAPITAL ONE FINANCIAL CORPORATION — currently built for the highest-volume companies only. Why.

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, 9,038 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