Total CFPB complaints
25
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 25 complaints
River Heights Capital LLC — Debt Collector Complaint Profile
CFPB complaint profile across 16 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about River Heights Capital LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
9 complaints
- Written notification about debt
Written notification about debt
7 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- False statements or representation 2
False statements or representation
2 complaints
F
Grade F · 50.1/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about River Heights Capital LLC?
River Heights Capital LLC has accumulated 25 total CFPB complaints across 16 states, with 15 filed in the most recent 12 months against 10 historical complaints before that window. The trailing-12-month volume represents 60.0% 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 "Took or threatened to take negative or legal action", narrowing to "Sued you without properly notifying you of lawsuit", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 72% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 16 states, led by New York with 4 and Virginia with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 50.1/100 places River Heights Capital LLC in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
15
60.0% of total history
Rising ↑
States active
16
Distinct state filings
Timely response rate
72%
Within CFPB SLA window
Reputation grade
F
50.1/100 composite
Response-quality profile
How River Heights Capital LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 72.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 28.6%
Share of US states + territories with at least one filed complaint against this collector.
How does River Heights Capital LLC compare to its peers?
River Heights 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)
2024-01 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action9 (%)
Written notification about debt7 (%)
Attempts to collect debt not owed7 (%)
False statements or representation2 (%)
Most common issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 8 |
| Written notification about debt | Didn't receive notice of right to dispute | 4 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Written notification about debt | Didn't receive enough information to verify debt | 3 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 3 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against River Heights Capital LLC come from?
The states where consumers have filed the most CFPB complaints against River Heights Capital LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against River Heights Capital LLC
Across 16 states with at least one filing
- New York
New York
4 complaints
- Virginia
Virginia
3 complaints
- Texas
Texas
2 complaints
- New Jersey
New Jersey
2 complaints
- Florida
Florida
2 complaints
- Pennsylvania
Pennsylvania
2 complaints
- Michigan 1
Michigan
1 complaints
- Alabama 1
Alabama
1 complaints
Frequently Asked Questions
What is the most common complaint against River Heights Capital LLC? ▼
The most common issue consumers report about River Heights Capital LLC is "Took or threatened to take negative or legal action", specifically "Sued you without properly notifying you of lawsuit". This is based on 25 complaints filed with the CFPB.
Are complaints against River Heights Capital LLC increasing or decreasing? ▼
Complaints against River Heights Capital LLC are rising. The company received 15 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is River Heights Capital LLC's reputation grade? ▼
River Heights Capital LLC has a reputation grade of F (score: 50.1/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does River Heights Capital LLC respond to consumer complaints? ▼
River Heights Capital LLC has a 72% timely response rate to CFPB complaints.
In how many states does River Heights Capital LLC operate? ▼
River Heights Capital LLC has received CFPB complaints from consumers in 16 states, with the most complaints from New York (4 complaints).
What can I do if River Heights 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 River Heights 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 |