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

CFPB complaint data Grade D 56 complaints

Razor Capital, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 22 states, reputation grade D.

Complaints by issue type

What consumers report about Razor Capital, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 54.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Razor Capital, LLC ranks ahead of 23% of the 5,283 collectors PlainCollector grades - 77% keep a cleaner CFPB record, on 56 all-time complaints and a 79% timely-response rate.

23rd pct
reputation rank of 5,283 graded collectors
56
CFPB complaints, all-time
79%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine". The company posts a 79% timely-response rate against a 26% consumer-dispute-after-response rate.

Complaints have been recorded across 22 states, led by Michigan with 10 and Georgia with 9. Normalized against the full CFPB collector database, the reputation score of 54.1/100 places Razor Capital, LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

56

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

22

multi-region footprint

Timely response rate

79%

acceptable band

Consumer disputes

26%

elevated (vertical avg ~19%)

Reputation grade

D

54.1/100 composite

How does Razor Capital, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

54 Bottom 23% higher than 23% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Razor Capital, LLC versus the debt-collection vertical average.

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) 25.7%
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?

How does Razor Capital, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Razor Capital, LLC National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
79%
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 Sub-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.

Top states by complaints against Razor Capital, LLC

Across 22 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Razor Capital, LLC contacts you

A grade of D signals how Razor Capital, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Razor Capital, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Razor Capital, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 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: 54.1/100), 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).

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

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.