Total CFPB complaints
56
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 56 complaints
Razor Capital, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 22 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Razor Capital, LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
11 complaints
- Disclosure verification of debt
Disclosure verification of debt
9 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
8 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
6 complaints
- Improper contact or sharing of info 3
Improper contact or sharing of info
3 complaints
- Communication tactics 2
Communication tactics
2 complaints
D
Grade D · 54.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Razor Capital, LLC?
Razor Capital, LLC has accumulated 56 total CFPB complaints across 22 states, with 0 filed in the most recent 12 months against 56 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 79% timely-response rate against a 26% 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 22 states, led by Michigan with 10 and Georgia with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 54.1/100 places Razor Capital, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
22
Distinct state filings
Timely response rate
79%
Within CFPB SLA window
Consumer disputes
26%
After company response
Reputation grade
D
54.1/100 composite
Response-quality profile
How Razor Capital, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 78.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 51.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 39.3%
Share of US states + territories with at least one filed complaint against this collector.
How does Razor Capital, LLC compare to its peers?
Razor Capital, LLC 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)
2016-09 2023-05
Top Consumer Issues
Cont'd attempts collect debt not owed11 (%)
Disclosure verification of debt9 (%)
Attempts to collect debt not owed8 (%)
Took or threatened to take negative or legal action6 (%)
Improper contact or sharing of info3 (%)
Communication tactics2 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 8 |
| Disclosure verification of debt | Not given enough info to verify debt | 7 |
| Attempts to collect debt not owed | Debt is not yours | 5 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 4 |
| Improper contact or sharing of info | Talked to a third party about my debt | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 3 |
| Attempts to collect debt not owed | Debt was paid | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 2 |
| Communication tactics | Threatened to take legal action | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
Where do complaints against Razor Capital, LLC come from?
The states where consumers have filed the most CFPB complaints against Razor Capital, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Razor Capital, LLC
Across 22 states with at least one filing
- Michigan
Michigan
10 complaints
- Georgia
Georgia
9 complaints
- California
California
5 complaints
- New York 3
New York
3 complaints
- Florida 3
Florida
3 complaints
- Alabama 3
Alabama
3 complaints
- New Jersey 2
New Jersey
2 complaints
- Maryland 2
Maryland
2 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is Razor Capital, LLC's reputation grade? ▼
Razor Capital, LLC has a reputation grade of D (score: 54.1/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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).
What can I do if Razor 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 Razor 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 |