Total CFPB complaints
42
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 42 complaints
Emerald Canyon Capital, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Emerald Canyon Capital, LLC
- Improper contact or sharing of info
Improper contact or sharing of info
11 complaints
- Communication tactics
Communication tactics
10 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
6 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
5 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Disclosure verification of debt 2
Disclosure verification of debt
2 complaints
C
Grade C · 62.1/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Emerald Canyon Capital, LLC?
Emerald Canyon Capital, LLC has accumulated 42 total CFPB complaints across 17 states, with 1 filed in the most recent 12 months against 41 historical complaints before that window. The trailing-12-month volume represents 2.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Threatened to take legal action", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 20% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 17 states, led by Texas with 10 and Pennsylvania with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.1/100 places Emerald Canyon Capital, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
2.4% of total history
Rising ↑
States active
17
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
20%
After company response
Reputation grade
C
62.1/100 composite
Response-quality profile
How Emerald Canyon Capital, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 92.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 39.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 30.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Emerald Canyon Capital, LLC compare to its peers?
Emerald Canyon Capital… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2013-12 2025-04
Top Consumer Issues
Communication tactics10 (%)
Taking/threatening an illegal action6 (%)
Improper contact or sharing of info11 (%)
False statements or representation3 (%)
Cont'd attempts collect debt not owed5 (%)
Disclosure verification of debt2 (%)
Most common issue: Communication tactics — Threatened to take legal action
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Threatened to take legal action | 7 |
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 6 |
| Improper contact or sharing of info | Talked to a third party about my debt | 6 |
| Improper contact or sharing of info | Contacted employer after asked not to | 5 |
| False statements or representation | Impersonated an attorney or official | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Communication tactics | Frequent or repeated calls | 2 |
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Emerald Canyon Capital, LLC come from?
The states where consumers have filed the most CFPB complaints against Emerald Canyon Capital, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Emerald Canyon Capital, LLC
Across 17 states with at least one filing
- Texas
Texas
10 complaints
- Pennsylvania
Pennsylvania
6 complaints
- California
California
4 complaints
- Arizona 3
Arizona
3 complaints
- Georgia 2
Georgia
2 complaints
- Missouri 2
Missouri
2 complaints
- Michigan 2
Michigan
2 complaints
- Kansas 2
Kansas
2 complaints
Frequently Asked Questions
What is the most common complaint against Emerald Canyon Capital, LLC? ▼
The most common issue consumers report about Emerald Canyon Capital, LLC is "Communication tactics", specifically "Threatened to take legal action". This is based on 42 complaints filed with the CFPB.
Are complaints against Emerald Canyon Capital, LLC increasing or decreasing? ▼
Complaints against Emerald Canyon Capital, LLC are rising. The company received 1 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Emerald Canyon Capital, LLC's reputation grade? ▼
Emerald Canyon Capital, LLC has a reputation grade of C (score: 62.1/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Emerald Canyon Capital, LLC respond to consumer complaints? ▼
Emerald Canyon Capital, LLC has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 20% of cases.
In how many states does Emerald Canyon Capital, LLC operate? ▼
Emerald Canyon Capital, LLC has received CFPB complaints from consumers in 17 states, with the most complaints from Texas (10 complaints).
What can I do if Emerald Canyon Capital, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Emerald Canyon Capital, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |