Total CFPB complaints
6
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 6 complaints
ROCKY POINT CAPITAL LLC — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ROCKY POINT CAPITAL LLC
- Communication tactics
Communication tactics
3 complaints
- Taking/threatening an illegal action
Taking/threatening an illegal action
2 complaints
- Cont'd attempts collect debt not owed 1
Cont'd attempts collect debt not owed
1 complaints
F
Grade F · 47.1/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about ROCKY POINT CAPITAL LLC?
ROCKY POINT CAPITAL LLC has accumulated 6 total CFPB complaints across 5 states, with 0 filed in the most recent 12 months against 6 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 0% timely-response rate against a 0% 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 5 states, led by Virginia with 2 and Oklahoma with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 47.1/100 places ROCKY POINT 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
0
0.0% of total history
Stable →
States active
5
Distinct state filings
Timely response rate
0%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
47.1/100 composite
Response-quality profile
How ROCKY POINT CAPITAL LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 0.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does ROCKY POINT CAPITAL LLC compare to its peers?
ROCKY POINT CAPITAL LL… 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)
2014-09 2015-10
Top Consumer Issues
Taking/threatening an illegal action2 (%)
Communication tactics3 (%)
Cont'd attempts collect debt not owed1 (%)
Most common issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 1 |
| Communication tactics | Frequent or repeated calls | 1 |
| Cont'd attempts collect debt not owed | Debt resulted from identity theft | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
Where do complaints against ROCKY POINT CAPITAL LLC come from?
The states where consumers have filed the most CFPB complaints against ROCKY POINT CAPITAL LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ROCKY POINT CAPITAL LLC
Across 5 states with at least one filing
- Virginia
Virginia
2 complaints
- Oklahoma
Oklahoma
1 complaints
- Texas
Texas
1 complaints
- Pennsylvania
Pennsylvania
1 complaints
- District of Columbia
District of Columbia
1 complaints
Frequently Asked Questions
What is the most common complaint against ROCKY POINT CAPITAL LLC? ▼
The most common issue consumers report about ROCKY POINT CAPITAL LLC is "Taking/threatening an illegal action", specifically "Threatened arrest/jail if do not pay". This is based on 6 complaints filed with the CFPB.
Are complaints against ROCKY POINT CAPITAL LLC increasing or decreasing? ▼
Complaints against ROCKY POINT CAPITAL LLC have been stable. The company received 0 complaints in the last 12 months.
What is ROCKY POINT CAPITAL LLC's reputation grade? ▼
ROCKY POINT CAPITAL LLC has a reputation grade of F (score: 47.1/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does ROCKY POINT CAPITAL LLC respond to consumer complaints? ▼
ROCKY POINT CAPITAL LLC has a 0% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does ROCKY POINT CAPITAL LLC operate? ▼
ROCKY POINT CAPITAL LLC has received CFPB complaints from consumers in 5 states, with the most complaints from Virginia (2 complaints).
What can I do if ROCKY POINT 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 ROCKY POINT 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 |