BANK
HIGHER RATE THAN 88% OF SCORED PEERS
Known as:Capital One Venture·Capital One Venture X·Capital One Quicksilver·Capital One Savor·Capital One SavorOne·+1 more
Complaint rate · per 1,000 est. customersscale 0–10
Median of 36 scored 0.52 · Lowest in dataset 0.09
A higher federal complaint rate per customer than 88% of scored peers.
Methodological confidence: HIGH · n=104,503 complaints over 14 years
Complaint rate
2.07
per 1,000 estimated customers
Resolved with relief
21%
received monetary or non-monetary relief
Daily volume
20.9
complaints per day · 2011–2026 average
4.0× the median of the 36 scored institutions; higher rate than 88.90% of scored institutions.
In the Evidence Pack
·Full issue & sub-issue breakdown, with counts
·24-month complaint-rate trajectory
·A worsening pattern exists (directional)
·Hash-verified provenance on file
Where complaints concentrate · top 3 product categories
Credit cards
1.16/1k
58,645
Money transfers
0.50/1k
25,417
Checking & savings
0.37/1k
18,864
5 nearest rates in scored dataset
1.00/1k
1.10/1k
1.13/1k
2.07/1k
2.65/1k
Federal data sources
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU
CAPITAL ONE FINANCIAL CORPORATION has a significantly above-average complaint rate.
A rate of 2.07 complaints per 1,000 estimated customers places this institution well above the median of the 36 scored institutions. The 104,503 federal complaints on file represent only those consumers who took the step of filing officially — the full picture of dissatisfaction is likely much larger. This institution has also faced formal regulatory enforcement, indicating that problems have been flagged at the agency level as well as by individual customers.
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Review the specific complaint categories below to understand what issues are most common before making a decision about this institution.
Most common words in federal complaints about CAPITAL ONE FINANCIAL CORPORATION
foursightcapitalreportcreditorcarbecausecodeobligorlateunder
Extracted from 55 consumer complaint narratives · CFPB database
FULL RECORD
Complaint Profile
Rate / 1,000 est. customers2.07/1k
Total complaints (2011–2026)104,503
Year-on-year trendWorsening
Timely response rate99.9%
Complaint rate normalised per 1,000 estimated customers.
Financial Health Indicators
Net charge-off rate3.27%↑ elevated — loan losses high
Tier 1 capital ratio13.4%✓ adequate buffer
Loan loss reserve ratio5.15%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
TARP government bailout$3.56B
DFAST stress test (Fed)9.1% CET1 stressed
Regulatory Enforcement Record
OCC (Office of the Comptroller)Federal ReserveCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
Dot colour reflects the most recent enforcement record on file at each agency. Each row links to that regulator’s source explainer.
Top Complaint Issues
The full issue and sub-issue breakdown for CAPITAL ONE FINANCIAL CORPORATION, with per-issue complaint counts, is included in the Evidence Pack.
Request the Evidence Pack →Methodological notes
Received TARP government bailout: $3.6B
Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Federal litigation on record via CourtListener/PACER
Institution Status
Enforcement
Financial Health
Fair Lending
Computed Signals
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›