BANK
HIGHER RATE THAN 86% 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 customersscale 0–10
Sector median 0.48 · Lowest in dataset 0.09
A higher federal complaint rate per customer than 86% of scored peers.
Methodological confidence: HIGH · n=104,503 complaints over 14 years
Customer ratio
1 in 459
customers filed a federal complaint
Resolved with relief
21%
received monetary or non-monetary relief
Daily volume
20.9
complaints per day · 2011–2025 average
24.3× the rate of FIRST CITIZENS BANCSHARES, INC. (lowest); 4.3× the sector median; higher rate than 86.54% of scored institutions.
24-month trajectory · monthly complaint rate
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.
2.07 complaints per 1,000 customers is 6.9× higher than institutions with the best track records. 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 customers2.07/1k
Total complaints (2011–2025)104,503
Year-on-year change+66%worsening
Timely response rate99.9%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
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
16%
11%
8%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
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 ›