Capstone Credit & Collection, LLC is a collection agency that says it has specialized in debt collection for multifamily housing since 1992. A letter or call from Capstone usually concerns a balance a former apartment community says you owe.
- Type
- Collection agency
- Also known as
- Capstone Credit & Collection, LLC; Capstone Credit
- Collects
- apartment and multifamily housing balances
- Phone numbers it lists
- (800) 849-4607, (813) 949-0631
- Website
- capstonecollections.com
135 debt collection complaints were sent to the Consumer Financial Protection Bureau about Capstone Credit & Collection, LLC. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Capstone Credit & Collections?
Capstone Credit & Collection, LLC operates as Capstone Credit & Collections. Its website says the business was founded in 1992 and has specialized in debt collection for multifamily housing since then. It describes a contingency model for clients ("No Recovery, No Fee"), with letter series, phone calls, skip tracing and credit bureau reporting. Its About page emphasizes in-depth skip tracing, meaning searches to locate former residents who left no forwarding address. The site lists a toll-free number and a local number in the 813 area code, which serves the Tampa Bay area of Florida; it does not give a street address. We did not find a CFPB enforcement action against Capstone Credit & Collections.
Why Capstone Credit & Collections May Be Contacting You
Capstone's clients are apartment communities and their management companies. If it has reached you, a property is claiming that you left a balance after a lease ended: unpaid rent, early-termination or reletting charges, repair and cleaning costs, or unpaid utilities. Because the company relies on skip tracing, you may hear from it at a new address or phone number years after you moved.
Capstone lists (800) 849-4607 toll-free and (813) 949-0631.
How to Check a Debt Capstone Says You Owe
An older apartment balance found through skip tracing deserves extra scrutiny: make sure it is your lease, your unit and the right amount.
- Read the validation notice. It must name the apartment community or owner and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. Ask for the lease with your signature, the move-out date, the inspection report and the ledger. Capstone must stop collecting until it verifies.
- Rule out mix-ups. If you never lived at the property, or a roommate stayed on after you left, say so in your dispute; identity theft has its own Texas protections (see HB 4238).
- Check the deposit and reletting credits. In Texas, a landlord must account for the deposit within 30 days after you surrender the unit and give a forwarding address (Tex. Prop. Code §§ 92.103, 92.104).
- Watch the age of the debt. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have different periods.
What Capstone Credit & Collections Can and Can't Do
Capstone collects residential rent balances for apartment owners, which makes it a "debt collector" under 15 U.S.C. § 1692a(6).
- When skip tracing, it may contact other people only to get your location, without mentioning the debt, and generally only once (15 U.S.C. § 1692b).
- It may not report an account to the credit bureaus before communicating with you (12 C.F.R. § 1006.30(a)) and must report a disputed account as disputed (15 U.S.C. § 1692e(8)).
- It may not collect charges the lease does not allow (15 U.S.C. § 1692f(1)).
- It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)), and Texas law bars wage garnishment for unpaid rent.
If its collection seemed improper, see our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Capstone Credit & Collections or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Capstone Credit & Collections: home page
- Capstone Credit & Collections: About
- Capstone Credit & Collections: Contact
- CFPB enforcement actions search: Capstone
- CFPB Consumer Complaint Database: Capstone Credit & Collection, LLC., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Capstone Credit & Collections has violated any law. Company details change; tell us if something here is out of date.