Total CFPB complaints
27
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 27 complaints
Rocky Mountain Capital Management — Debt Collector Complaint Profile
CFPB complaint profile across 17 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Rocky Mountain Capital Management
- Attempts to collect debt not owed
Attempts to collect debt not owed
14 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Electronic communications 2
Electronic communications
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
F
Grade F · 51.7/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Rocky Mountain Capital Management?
Rocky Mountain Capital Management has accumulated 27 total CFPB complaints across 17 states, with 3 filed in the most recent 12 months against 24 historical complaints before that window. The trailing-12-month volume represents 11.1% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 78% 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 17 states, led by California with 4 and Florida 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 51.7/100 places Rocky Mountain Capital Management 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
3
11.1% of total history
Rising ↑
States active
17
Distinct state filings
Timely response rate
78%
Within CFPB SLA window
Reputation grade
F
51.7/100 composite
Response-quality profile
How Rocky Mountain Capital Management performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 77.8%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 30.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Rocky Mountain Capital Management compare to its peers?
Rocky Mountain 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)
2018-03 2025-09
Top Consumer Issues
Attempts to collect debt not owed14 (%)
False statements or representation3 (%)
Electronic communications2 (%)
Threatened to contact someone or share information improperly1 (%)
Communication tactics2 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 is not yours | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Attempts to collect debt not owed | Debt was paid | 2 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 2 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
| Electronic communications | Frequent or repeated messages | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
| False statements or representation | Indicated you were committing crime by not paying debt | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against Rocky Mountain Capital Management come from?
The states where consumers have filed the most CFPB complaints against Rocky Mountain Capital Management. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Rocky Mountain Capital Management
Across 17 states with at least one filing
- California
California
4 complaints
- Florida
Florida
3 complaints
- Georgia
Georgia
3 complaints
- Alabama
Alabama
2 complaints
- Arizona
Arizona
2 complaints
- Texas
Texas
2 complaints
- Wyoming 1
Wyoming
1 complaints
- Nevada 1
Nevada
1 complaints
Frequently Asked Questions
What is the most common complaint against Rocky Mountain Capital Management? ▼
The most common issue consumers report about Rocky Mountain Capital Management is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 27 complaints filed with the CFPB.
Are complaints against Rocky Mountain Capital Management increasing or decreasing? ▼
Complaints against Rocky Mountain Capital Management are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Rocky Mountain Capital Management's reputation grade? ▼
Rocky Mountain Capital Management has a reputation grade of F (score: 51.7/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Rocky Mountain Capital Management respond to consumer complaints? ▼
Rocky Mountain Capital Management has a 78% timely response rate to CFPB complaints.
In how many states does Rocky Mountain Capital Management operate? ▼
Rocky Mountain Capital Management has received CFPB complaints from consumers in 17 states, with the most complaints from California (4 complaints).
What can I do if Rocky Mountain Capital Management 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 Rocky Mountain Capital Management 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 |