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

CFPB complaint data Grade F 27 complaints

River Heights Capital LLC - Debt Collector Complaint Profile

CFPB complaint profile across 16 states, reputation grade F.

Complaints by issue type

What consumers report about River Heights Capital LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 50.1/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

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

The verdict

A reputation grade of F: River Heights Capital LLC ranks ahead of 15% of the 5,283 collectors PlainCollector grades - 85% keep a cleaner CFPB record, on 27 all-time complaints and a 72% timely-response rate.

15th pct
reputation rank of 5,283 graded collectors
27
CFPB complaints, all-time
72%
answered inside the CFPB window
15
in the last 12 months (rising)

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 River Heights Capital LLC?

River Heights Capital LLC has accumulated 27 total CFPB complaints across 16 states, with 15 filed in the most recent 12 months against 12 historical complaints before that window. The trailing-12-month volume represents 55.6% 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". The company posts a 72% timely-response rate.

Complaints have been recorded across 16 states, led by Virginia with 5 and New York with 4. Normalized against the full CFPB collector database, the reputation score of 50.1/100 places River Heights Capital LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

27

low-volume (CCDB)

Last 12 months

15

55.6% of all-time complaints

Rising ↑

States active

16

regional footprint

Timely response rate

72%

below sla band

Reputation grade

F

50.1/100 composite

How does River Heights Capital LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

50 Bottom 15% higher than 15% 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

River Heights Capital LLC versus the debt-collection vertical average.

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?

How does River Heights Capital LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
River Heights Capital … National average
Complaints (last 12 mo)lower is better
15
0
268
Timely-response ratehigher is better
72%
30%
91%
Consumer-dispute ratelower is better
0%
10%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-02

Issue Detail Breakdown

Issue Sub-Issue Complaints
Took or threatened to take negative or legal action - 10
Attempts to collect debt not owed - 8
Written notification about debt - 7
False statements or representation - 2

Where do complaints against River Heights Capital LLC come from?

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

Top states by complaints against River Heights Capital LLC

Across 16 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if River Heights Capital LLC contacts you

A grade of F signals how River Heights 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 River Heights 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 River Heights 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 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 27 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 Virginia (5 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.