Total CFPB complaints
213
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 213 complaints
Risecredit, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 28 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Risecredit, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
75 complaints
- Communication tactics
Communication tactics
35 complaints
- Cont'd attempts collect debt not owed 20
Cont'd attempts collect debt not owed
20 complaints
- False statements or representation 16
False statements or representation
16 complaints
- Written notification about debt 12
Written notification about debt
12 complaints
- Took or threatened to take negative or legal action 10
Took or threatened to take negative or legal action
10 complaints
D
Grade D · 57.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Risecredit, LLC?
Risecredit, LLC has accumulated 213 total CFPB complaints across 28 states, with 8 filed in the most recent 12 months against 205 historical complaints before that window. The trailing-12-month volume represents 3.8% 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 "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 91% timely-response rate against a 11% 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 28 states, led by California with 39 and Texas with 34, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.8/100 places Risecredit, 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
8
3.8% of total history
Falling ↓
States active
28
Distinct state filings
Timely response rate
91%
Within CFPB SLA window
Consumer disputes
11%
After company response
Reputation grade
D
57.8/100 composite
Response-quality profile
How Risecredit, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 21.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 50.0%
Share of US states + territories with at least one filed complaint against this collector.
How does Risecredit, LLC compare to its peers?
Risecredit, 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)
2022-01 2025-11
Top Consumer Issues
Attempts to collect debt not owed75 (%)
Communication tactics35 (%)
False statements or representation16 (%)
Written notification about debt12 (%)
Cont'd attempts collect debt not owed20 (%)
Took or threatened to take negative or legal action10 (%)
Improper contact or sharing of info6 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 39 |
| Communication tactics | Frequent or repeated calls | 35 |
| Attempts to collect debt not owed | Debt is not yours | 27 |
| False statements or representation | Attempted to collect wrong amount | 16 |
| Written notification about debt | Didn't receive enough information to verify debt | 12 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 10 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 10 |
| Attempts to collect debt not owed | Debt was paid | 9 |
| Improper contact or sharing of info | Contacted employer after asked not to | 6 |
Where do complaints against Risecredit, LLC come from?
The states where consumers have filed the most CFPB complaints against Risecredit, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Risecredit, LLC
Across 28 states with at least one filing
- California
California
39 complaints
- Texas
Texas
34 complaints
- South Carolina
South Carolina
26 complaints
- Missouri 15
Missouri
15 complaints
- Alabama 15
Alabama
15 complaints
- Wisconsin 14
Wisconsin
14 complaints
- Georgia 11
Georgia
11 complaints
- Ohio 10
Ohio
10 complaints
Frequently Asked Questions
What is the most common complaint against Risecredit, LLC? ▼
The most common issue consumers report about Risecredit, LLC is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 213 complaints filed with the CFPB.
Are complaints against Risecredit, LLC increasing or decreasing? ▼
Complaints against Risecredit, LLC are falling. The company received 8 complaints in the last 12 months, showing improvement over prior periods.
What is Risecredit, LLC's reputation grade? ▼
Risecredit, LLC has a reputation grade of D (score: 57.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Risecredit, LLC respond to consumer complaints? ▼
Risecredit, LLC has a 91% timely response rate to CFPB complaints. Consumers disputed the company's response in 11% of cases.
In how many states does Risecredit, LLC operate? ▼
Risecredit, LLC has received CFPB complaints from consumers in 28 states, with the most complaints from California (39 complaints).
What can I do if Risecredit, 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 Risecredit, 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 |