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            ComplaintsforCapital Accounts, LLC

            Collections Agencies
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            Complaint Details

            Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

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            Complaint Status
            Complaint Type
            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              I am not liable for this debt with *********************** DDS, I do not have a contract with Capital Accounts, LLC, they did not provide me with the original contract as I requested.

              Business response

              01/26/2024

              *********************** (the Debtor) alleges that he does not owe *********************** DDS (the Creditor), that he does not have a contract with Capital Accounts, LLC and that Capital Accounts has not provided the Debtor with a copy of the contract.

              The Creditor placed the Debtors account with ******************** on August 28, 2023.  The Debtor would not have a contract with Capital Accounts, LLC.  Instead, any contract or agreement would be between the Creditor and the Debtor.  Capital Accounts, LLC records do not indicate that it ever received a request from the Debtor to provide a copy of a contract. 
            • Complaint Type:
              Problems with Product/Service
              Status:
              Resolved
              Capital accounts has fraudulently reported to my credit. The alleged amount owed is incorrect as the original company is still in possession of the item, therefore nothing is owed. I have disputed this several times to Experian and they report the information is correct yet Capital Accounts has not been able to verify the information claimed. I have called capital accounts approximately 10 times and cannot get a live person on the phone. Capital accounts is committing fraud and hurting consumer credit with complete disregard. I have no supporting documentation because this is fraud and capital accounts is just trying to get money from people.

              Business response

              01/11/2024

              Thank you for contacting Capital Accounts, LLC via the Better Business Bureau regarding your account. ******************** received an unpaid debt for you from *************************** on or about 6/5/2023. To assist you in understanding your debt, an itemized statement will be mailed to the address you provided in your correspondence here. Once you have had the opportunity to review, please contact our office directly to discuss payment options or visit us online at www.capitalbillpay.com. Also, as a matter of courtesy, we will submit a request to all credit reporting agencies (TransUnion, Equifax, and Experian) to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns.

              Customer response

              01/11/2024

               
              Better Business Bureau:

              I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me as long as the request to delete the account from all three credit agencies is submitted today, January 11, 2024.

              Sincerely,

              ***********************
            • Complaint Type:
              Billing/Collection Issues
              Status:
              Answered
              My sons dental debt was sent to Capital Accounts LLC. We are disputing the claim and we requested documentation of said alleged debt. I called Capital Accounts on October 5 th after receiving a letter from them with patient billing information and a list of state information not sure if these are states where they are licensed but most stated by the state abbreviation that Capital Accounts is licensed in that state. I asked the person I was speaking with on the phone if they had a license in ***** as it was not listed and she said I can look it. I shouldnt have to look it up they need to provide that information as requested. I did look on our ***** Secretary of State and they do not have an active ***** license. Legally they cannot pursue debt in ***** if they are not licensed.I sent them a certified letter requesting the information in writing and I also again am disputing the claim. I have not heard back from them yet although letter was received.They are also trying to collect debt from 2.5 years ago in which we were never notified there is a timely billing act in *****. I know they are representing the dental practice but they should advise clients appropriately.

              Customer response

              10/07/2023

              I asked the representative on the phone to confirm they have active ***** License and I was told I can look it up. They did not provide a notification with their confirmation nor did they provide it when I called them.
              I tried looking it on ***** Secretary of State and I could not find their license on site as being noted as Active.
              They are required to provide this information when requested 

              Business response

              10/12/2023

              Dear ********************,

              Thank you for contacting Capital Accounts, LLC via the Better Business Bureau. In response to your concerns, ***** does not require a license for collection agencies. A surety bond must be filed with the ***** secretary of state in order to operate legally within the state. Capital Accounts, LLC is legally allowed to collect out of the **************. Capital Accounts, LLC has received payment for the account as of October 6, 2023. The account has been closed and there will be no furhter communication from Capital Accounts, LLC regarding this matter. Thank you for allowing us the opportunity to respond to your cpncerns.

              Sincerely,

              Capital Accounts, LLc

               

            • Complaint Type:
              Advertising/Sales Issues
              Status:
              Answered
              I was referred to ********************. ******************** said they can't schedule an appointment with me because I had a past due balance from many years ago. They gave me the contact for Capital Accounts. I called Capital Accounts to pay the bill in full on August 14. Capital Accounts is refusing to pay ************. The supervisor I spoke with said they will not release the payment until ******************** contacts them. ******************** won't contact Capital Accounts, they are waiting for payment to be sent to them. I have requested a refund from Capital Accounts, as I have had to be referred elsewhere because of their refusal to pay ************.Capital Accounts is also refusing to send me the Paid in Full letter.

              Customer response

              09/13/2023

              I am not disagreeing with the debt. I paid the debt. The company is refusing to pay the debt to the original office. I am requesting refund of the money I paid.

              Business response

              09/22/2023

              Dear ************************,

              Thank you for contacting Capital Accounts, LLC via the consumer portal regarding your account. ********************  did receive a payment from you on or about August 14, 2023. Your account was updated as paid in full and Capital Accounts, LLC closed this account in our office on August 14, 2023. Please contact your original creditor directly with any other questions or concerns you may have.  Thank you for allowing us the opportunity to respond to your concerns.

              Sincerely,

              Capital ccounts, LLC

               

               

              Customer response

              09/25/2023

              Thank you for your response; however, this did not solve the issue. I know the account was paid in full, I paid it. The company will not issue a paid in full letter and will not send money to the office that was owed. 

              I want my money refunded to me, as the debt collection company has refused to forward my payment. 

            • Complaint Type:
              Problems with Product/Service
              Status:
              Resolved
              On 8/4 I paid the agreed amount to settle this account in full. I was told I would receive an email after the transaction with the terms outline in the email and over the phone. This situation has not been resolved till this day after failed attempts of follow **** The agreement was that after payment was made I was to receive a letter that said Capital Accounts will close the account in their system and submit to credit bureaus for it to be removed from my credit file. This has not been resolved and theyre ignoring my requests.

              Business response

              08/16/2023

              Dear ****************,

              Thank you for contacting Capital Accounts, LLC via the Better Business Bureau regarding your account. ******************** did receive a payment from you on or about August 4, 2023. A letter showing proof of payment has been emailed and mailed to you. Your account has been satisfied as settled paid in full and closed in our office. You will no longer receive contact from Capital Accounts, LLC regarding this matter. Also, we have submitted a request to all credit reporting agencies (TransUnion, Equifax, and Experian) to have this account removed from your credit report. Thank you for allowing us the opportunity to respond to your concerns.

              Sincerely,

              Capital Accounts, LLC

               

            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              I am not liable for this debt with ********************************. I do not have an original contract with Capital Accounts, LLC. They did not provide me with the original contract as I requested.
            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              I do not owe ********************** I do not have a liable contract with Capital Accounts, and they did not provide me with a contract as i requested.

              Customer response

              07/20/2023

              I have no contract with this company and I do owe anyone related to this complany any money.

              Customer response

              07/20/2023

              I have followed all guidelines to resolve this matter....company has not complied..

              Business response

              07/21/2023

              Dear ************,

               

              Thank you for contacting Capital Accounts, LLC via the Better Business Bureau regarding your account. ******************** is a business associate (as defined under HIPAA, see 45 C.F.R. Sec.160.103)  of your original creditor, the covered entity, and thus authorized by law to obtain information on your account for debt collection purposes. We (as a collection agency) are only legally obligated to provide you with validation of the debt if you submit a dispute in writing. The form of this validation is within our discretion, as long as it provides you sufficient information from which to properly identify your obligation. There is no requirement that we (or the creditor) produce a document with your signature.  Capital Accounts, LLC received an unpaid account for you from ********************* on or about September 15, 2022. As a matter of courtesy and in an effort to assist you in understanding your debt, an itemization of your account from your original creditor will be mailed to you at the address you provided on your correspondence here. Once you have had an opportunity to review, please feel free to contact our office directly at **************  to discuss payment options or visit us online at www.capitalbillpay.com. Additionally as a matter of courtesy, we will submit a request to all three credit reporting agencies (TransUnion, Equifax, and Experian) to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns.

              Sincerely,

              Capital Accounts, LLC

            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              I am not liable for this debt with HyreCar. I do not have a contract this capital account They did not provide me with the original contract as requested, corrections to my credit report,

              Business response

              07/21/2023

              Dear ******************,

              Thank you for contacting Capital Accounts, LLC via the Better Business Bureau regarding your account. ******************** is a business associate of your original creditor, the covered entity, and thus authorized by law to obtain information on your account for debt collection purposes. We (as a collection agency) are only legally obligated to provide you with validation of the debt if you submit a dispute in writing. The form of this validation is within our discretion, as long as it provides you sufficient information from which to properly identify your obligation. There is no requirement that we (or the creditor) produce a document with your signature. Capital Accounts, LLC has no record of receiving any communication from you prior to your BBB complaint, either by telephone,email or written correspondence. Capital Accounts, LLC received an unpaid account for you from **************** on or about March 2, 2023. As a matter of courtesy and in an effort to assist you in understanding your debt,we will request an itemization of your account from your original creditor.Once received, we will forward that to you at the address you provided on your correspondence here. Once you have had an opportunity to review, please feel free to contact our office directly at **************  to discuss payment options or visit us online at www.capitalbillpay.com. Additionally as a matter of courtesy, we will submit a request to all three credit reporting agencies (TransUnion, Equifax, and Experian) to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns.

              Sincerely,

              Capital Accounts, LLC

            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              I do not have or am responsible for debt with sero Labs, I don't have a contract with Capital Accounts, I did not receive the original contract as I requested

              Customer response

              07/12/2023

              I have no debt or a contract with Capital Accounts, LLC.  

              Customer response

              07/12/2023

              Date Sent: 7/12/2023 10:09:41 AM
              I have no debt or a contract with Capital Accounts, LLC. 

              Business response

              07/21/2023

              Dear ********************,

              Thank you for contacting Capital Accounts, LLC via the Better Business Bureau regarding your account. ******************** is a business associate (as defined under HIPAA, see 45 C.F.R. Sec.160.103)  of your original creditor, the covered entity, and thus authorized by law to obtain information on your account for debt collection purposes. We (as a collection agency) are only legally obligated to provide you with validation of the debt if you submit a dispute in writing. The form of this validation is within our discretion, as long as it provides you sufficient information from which to properly identify your obligation. There is no requirement that we (or the creditor) produce a document with your signature. Capital Accounts, LLC has no record of receiving any recent communication from you prior to your BBB complaint, either by telephone,email or written correspondence. Capital Accounts, LLC received an unpaid account for you from Sero Lab on or about April 17, 2019. On Aptil 21, 2021 we received your notice of dispute via mail. Capital Accounts, LLC mailed an itemized statement of your account from your original creditor to the address you provided on your correspondence. Nonetheless,  as a matter of courtesy and in an effort to assist you in understanding your debt, another itemization of your account from your original creditor will be mailed to the address you provided on your correspondence here. Once you have had an opportunity to review, please feel free to contact our office directly at **************  to discuss payment options or visit us online at www.capitalbillpay.com. Additionally as a matter of courtesy, we will submit a request to all three credit reporting agencies (TransUnion, Equifax, and Experian) to have this account deleted from your credit report. Thank you for allowing us the opportunity to respond to your concerns.

              Sincerely, 

              Capital Accounts, LLC

              Customer response

              07/21/2023

              I will wait for the documents.
            • Complaint Type:
              Advertising/Sales Issues
              Status:
              Resolved
              I was contacted by capital accounts in 2022 to collect a medical bill. I had no knowledge of this account that they were trying to collect on after 6 years. In the ******************* The statute of limitations has expired. The Statute of Limitations for Medical debt in ********** is 4 years.The Statute of Limitations expiration Cal. Code Civ. Proc. 337 Also, Healthcare is prohibited from being disclosed. Medical records were sent via email from Capital Accounts LLC which is in direct violation of HIPPA and HITECH. This time-barred by statue of limitations medical bill was falsely reported to the credit reporting agencies and needs to removed at once. My HIPPA and HITECH rights were violated.

              Business response

              07/21/2023

              Dear ************,

              Thank you for contacting Capital Accounts, LLC via the  Better Business Bureau regarding your account. ******************** has closed your account and returned it to the original creditor. You will no longer be contacted by Capital Accounts, LLC regarding this matter. We have also submitted a request to all credit reporting agencies (TransUnion, Equifax, and Experian) to have this removed from your credit report. Thank you for allowing us the opportunity to respond to your concerns.

              Sincerely,

              Capital Accounts, LLC

               

               

              Customer response

              07/21/2023

               
              Better Business Bureau:

              I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

              Sincerely,

              *******************

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