Credit cards
Capital One: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 4,581
- Closed with money back
- 4%
- 2023 to 2025
- 1,151 to 2,110
Servicemembers filed 6.4% of Capital One's 71,613 complaints in the window, against 2.5% across the directory. The complaints are mostly about credit card, and the single most common issue is "Incorrect information on your report". 4% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 1,151 in 2023 to 2,110 in 2025.
What the complaints are about
By product
| Credit card | 1,356 |
| Credit reporting or other personal consumer reports | 1,341 |
| Checking or savings account | 596 |
| Credit reporting, credit repair services, or other personal consumer reports | 351 |
| Debt collection | 344 |
By issue
| Incorrect information on your report | 879 |
| Improper use of your report | 682 |
| Managing an account | 423 |
| Problem with a purchase shown on your statement | 308 |
| Problem with a company's investigation into an existing problem | 255 |
| 2023: 1,151 | 2024: 1,320 | 2025: 2,110 |
Which accounts, specifically
| General-purpose credit card or charge card | 1,928 |
| Credit reporting | 1,754 |
| Checking account | 527 |
| Credit card debt | 276 |
| Loan | 251 |
What went wrong, specifically
| Reporting company used your report improperly | 388 |
| Credit card company isn't resolving a dispute about a purchase on your statement | 321 |
| Credit inquiries on your report that you don't recognize | 294 |
| Account information incorrect | 288 |
| Information belongs to someone else | 274 |
Busiest month: January 2025, with 446 servicemember complaints. Most were submitted by web.
Most complaints came from TX (564), FL (458), CA (366) , then GA, VA, NY.
How Capital One answered
| Closed with explanation | 3,725 | 81% |
| Closed with non-monetary relief | 662 | 14% |
| Closed with monetary relief | 194 | 4% |
Capital One responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Took or threatened to take negative or legal action. OH, 2024-09-03. Outcome: Closed with explanation. Complaint 9999406
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Credit card; Getting a credit card. AR, 2024-09-04. Outcome: Closed with explanation. Complaint 9996329
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Credit reporting or other personal consumer reports; Improper use of your report. TX, 2024-09-02. Outcome: Closed with explanation. Complaint 9993369
If this is your problem at Capital One
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: Capital One Military Benefits: 4% SCRA Cap (+ Discover).
Compare with credit cards peers
- Citibank 2,610 servicemember complaints; 15% with money back
- Synchrony 2,400 servicemember complaints; 11% with money back
- American Express 1,786 servicemember complaints; 19% with money back
- Bread Financial 1,318 servicemember complaints; 24% with money back
- Goldman Sachs Bank (Apple Card) 771 servicemember complaints; 16% with money back
Next in the directory by volume: Wells Fargo, JPMorgan Chase, Block (Cash App).
Frequently asked questions
How many complaints did servicemembers file against Capital One?
4,581 complaints tagged servicemember were received by the CFPB about CAPITAL ONE FINANCIAL CORPORATION between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 1,151 in 2023 to 2,110 in 2025.
What do servicemembers complain about most at Capital One?
Credit card accounts for 1,356 of the 4,581 complaints, and the most common issue is "Incorrect information on your report" (879). Next: "Improper use of your report" (682).
Does Capital One give money back when a servicemember complains?
4% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 662 closed with non-monetary relief and 3,725 closed with an explanation only. Capital One answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.