What is the most common complaint against Razor Capital, LLC?

The most common issue consumers report about Razor Capital, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 56 complaints filed with the CFPB.

Are complaints against Razor Capital, LLC increasing or decreasing?

Complaints against Razor Capital, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Razor Capital, LLC's reputation grade?

Razor Capital, LLC has a reputation grade of D (score: 50.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Razor Capital, LLC respond to consumer complaints?

Razor Capital, LLC has a 79% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.

In how many states does Razor Capital, LLC operate?

Razor Capital, LLC has received CFPB complaints from consumers in 22 states, with the most complaints from Michigan (10 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Razor Capital, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade D.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

12
Attempts to collect debt not owed

10
Disclosure verification of debt

9
Took or threatened to take negative or legal action

8
Communication tactics

6
Taking/threatening an illegal action

4

Data updated September 2026

CFPB complaint disposition

CCDB record razor-capital-llc Razor Capital, LLC

Grade D · 56 CFPB filings · 79% timely · lead issue: Cont'd attempts collect debt not owed · vol #1121 · compose #4110

VOL 56
GRADE D
12MO 0
STATES 22
TIMELY 79%
DISPUTE 26%
ISSUE Cont'd attempts collect de…
RANK #1,121
COMPOSE #4,110

Volume peers

Nearest volume peer: Auto Trakk, LLC (56 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Razor Capital, LLC's 56 CFPB complaints sit next to Auto Trakk, LLC on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Filing geometry

Michigan is the plurality state for Razor Capital, LLC (17.9%)

Volume rank #1,121 and composite rank #4,110 diverge by 2,989 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Michigan 17.9%; Mid-band (15–30%) · 22 states with ≥1 filing
Seasonal peak: 2025-12 11.7%; 8–15% band · 12 filings
Divergent corpus ranks: #1,121 volume; #4,110 composite; Cleanest-composite ladder is 2,989 places worse than volume

How does Razor Capital, LLC compare to its peers?

How does Razor Capital, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Razor Capital, LLC National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

79%

91%

Consumer-dispute ratelower is better

26%

18%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	12
Attempts to collect debt not owed	10
Disclosure verification of debt	9
Took or threatened to take negative or legal action	8
Communication tactics	6
Taking/threatening an illegal action	4
Improper contact or sharing of info	3
Written notification about debt	2
False statements or representation	2

Where do complaints against Razor Capital, LLC come from?

Razor Capital, LLC's own per-state count, not a national baseline.

Michigan

10
Georgia

9
California

5
Alabama

3
Florida

3
New York

3
Illinois

2
Maryland

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Razor Capital, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 56.

4 peers

Know your rights before responding to Razor Capital, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.