Kapitus: most-reported complaints
Automated analysis of 162 public Trustpilot reviews published 2025-03-02 to 2026-09-22. TrustScore 4.4 from 802 total reviews — see the Trustpilot page. Quick answer: is Kapitus legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report misleading pricing, with 32% of the 19 identified complaints citing discrepancies between quoted and actual interest rates. Other frequent issues include support being unreachable or unhelpful, each accounting for 16% of complaints, as well as general concerns about unsolicited communications. A total of 19 complaints were identified across 162 reviews analyzed during the period from March 2025 to September 2026. No specific trend could be established for these issues due to the low volume of reviews.
How to reach Kapitus
These are the contact details Kapitus publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone (800) 780-7133, email [email protected], address Wilson Blvd, Suite 350, Arlington, 22201, US.
The company claimed its Trustpilot profile on 2016-02-18 and uses Trustpilot’s paid features. Trustpilot ranks it 54 of 103 in Financial Institution. We last checked this profile on 2026-09-24 and found 1 new review. These are facts Trustpilot publishes about the profile, as of our last harvest.
Elsewhere: 4.5★ on Google (906 reviews)
TrustScore over time
4.5 → 4.4 across 3 census measurements since 2026-08-17. Our own record, independent of Trustpilot’s display.
Review provenance: 130 company-invited reviews in the recent window average 4.85★, while 32 organic (uninvited) reviews average 3.28★.
61% of its 136 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: misleading pricing makes up 32% of this company’s complaints vs a 14% median across 151 ranked companies in its sector.
Review velocity: 53 of this company’s 802 Trustpilot reviews (7%) were written in the last 12 months.
Not enough reviews to establish a trend.
What are the most common complaints about Kapitus?
Misleading pricing
6 reports · 32% of complaints“I was quoted an APR of 16.22%, and then the contract was over 29% APR.”
“They consistently lie and mislead you to obtain your most sensitive and private information.”
“The loan is already calculated for them with interest up front. In my case, the loan doubled.”
Other
4 reports · 21% of complaints“They sent us an email that our funding was not approved. We never applied to funding from this firm”
1 reader marked this review helpful on Trustpilot.
“I am pretty sure this company and B&A financial work together to make customers to default their loans.”
“They will say they work with you on your payment if business slows down and will lower your payment, IT’S A LIE!”
Support unreachable
3 reports · 16% of complaints“Now they’ve become completely unresponsive.”
“He never responded to the request, asked different questions about acquiring a loan , then after all of the texting he just stopped.”
“failed to return any of my phone calls or emails regarding our recent application”
Support unhelpful
3 reports · 16% of complaints“When I asked them to remove the lien, they demanded I pay them to have it removed.”
“they keep you waiting, asking for document after document.”
“Horrible customer service. Don’t allow a broker to let you do business with them.”
Aggressive collections
3 reports · 16% of complaints“The latest response from the lender was the threat that collection efforts will begin immediately if you miss a payment.”
“When I asked them to remove the lien, they demanded I pay them to have it removed.”
“Company offers junk loans, and will run your file over and over even after you ask them to stop.”
Contract term changes
2 reports · 10% of complaints“The latest response from the lender was the threat that collection efforts will begin immediately if you miss a payment.”
“The loan is already calculated for them with interest up front. In my case, the loan doubled.”
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-24.