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

CFPB complaint data Grade F 28 complaints

Rocky Mountain Capital Management - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade F.

Complaints by issue type

What consumers report about Rocky Mountain Capital Management

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 51.7/100 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: Rocky Mountain Capital Management ranks ahead of 18% of the 5,283 collectors PlainCollector grades - 82% keep a cleaner CFPB record, on 28 all-time complaints and a 78% timely-response rate.

18th pct
reputation rank of 5,283 graded collectors
28
CFPB complaints, all-time
78%
answered inside the CFPB window
3
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 Rocky Mountain Capital Management?

Rocky Mountain Capital Management has accumulated 28 total CFPB complaints across 17 states, with 3 filed in the most recent 12 months against 25 historical complaints before that window. The trailing-12-month volume represents 10.7% 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 is not yours". The company posts a 78% timely-response rate.

Complaints have been recorded across 17 states, led by California with 4 and Florida with 3. Normalized against the full CFPB collector database, the reputation score of 51.7/100 places Rocky Mountain Capital Management in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

28

low-volume (CCDB)

Last 12 months

3

10.7% of all-time complaints

Falling ↓

States active

17

regional footprint

Timely response rate

78%

acceptable band

Reputation grade

F

51.7/100 composite

How does Rocky Mountain Capital Management's reputation rank nationally?

Reputation score vs. every graded collector

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

52 Bottom 18% higher than 18% 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

Rocky Mountain Capital Management versus the debt-collection vertical average.

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?

How does Rocky Mountain Capital Management compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Rocky Mountain Capital… National average
Complaints (last 12 mo)lower is better
3
8
268
Timely-response ratehigher is better
78%
97%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-03 2015-07

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 14
False statements or representation - 5
Took or threatened to take negative or legal action - 3
Communication tactics - 2
Electronic communications - 2
Written notification about debt - 1
Threatened to contact someone or share information improperly - 1

Where do complaints against Rocky Mountain Capital Management come from?

Rocky Mountain Capital Management's own per-state count, not a national baseline.

Top states by complaints against Rocky Mountain Capital Management

Across 17 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Rocky Mountain Capital Management contacts you

A grade of F signals how Rocky Mountain Capital Management'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 Rocky Mountain Capital Management 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 Rocky Mountain Capital Management 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 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 28 complaints filed with the CFPB.

Are complaints against Rocky Mountain Capital Management increasing or decreasing? ▼

Complaints against Rocky Mountain Capital Management are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.

What is Rocky Mountain Capital Management's reputation grade? ▼

Rocky Mountain Capital Management has a reputation grade of F (score: 51.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

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.