CFPB · Single-product concentration
Razor Capital, LLC
65 CFPB complaints · 86.2% in "Debt collection" · top issue Cont'd attempts collect debt not owed.
Razor Capital, LLC: 86.2% of 65 CFPB complaints sit in "Debt collection". Timely 76.9% · relief 7.7%. Allegations, not findings.
- Single-product concentration
- -33.3% filings 2013 to 2023
CFPB relief outcome brief
CCDB company razor-capital-llc
7.7% relief · 76.9% timely · 65 filings · Debt collection
Same-product relief peers
Nearest relief peer: Acima Credit, LLC (7.7% relief)
Razor Capital, LLC closes 7.7% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Razor Capital, LLC's 65 filings include narrative text
46.2% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Razor Capital, LLC complaint mix by product
- Debt collection 56 86.2% – 9% relief
- Credit reporting, 6 9.2% – 0% relief
- Credit card 1 1.5% – 0% relief
- Payday loan 1 1.5% – 0% relief
- Vehicle loan 1 1.5% – 0% relief
How Razor Capital, LLC's 65 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 56 |
| Credit reporting, credit repair services, or other personal consumer reports | 6 |
| Credit card | 1 |
| Payday loan | 1 |
| Vehicle loan or lease | 1 |
Where Razor Capital, LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- MI
- 15.4% of this company's filings
Razor Capital, LLC falling annual filings
Annual filing volume from the CFPB public database
- 2023
- 2
- -33.3% vs 2013
Top States
| State | Complaints |
|---|---|
| MI | 10 |
| GA | 9 |
| FL | 7 |
| CA | 5 |
| AL | 3 |
| NY | 3 |
| IL | 3 |
| NJ | 3 |
| OH | 2 |
| MD | 2 |
| VA | 2 |
| PA | 2 |
| SD | 1 |
| KY | 1 |
| AZ | 1 |
| OR | 1 |
| CO | 1 |
| TN | 1 |
| IN | 1 |
| TX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Cont'd attempts collect debt not owed | 12 |
| Attempts to collect debt not owed | 10 |
| Disclosure verification of debt | 9 |
| Took or threatened to take negative or legal action | 8 |
| Communication tactics | 6 |
| Taking/threatening an illegal action | 4 |
| Improper contact or sharing of info | 3 |
| Incorrect information on your report | 3 |
| False statements or representation | 2 |
| Written notification about debt | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Other | 1 |
| Payment to acct not credited | 1 |
| Managing the loan or lease | 1 |
| Improper use of your report | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 3 | 100% |
| 2014 | 7 | 85.7% |
| 2015 | 11 | 90.9% |
| 2016 | 10 | 80% |
| 2017 | 11 | 90.9% |
| 2018 | 6 | 33.3% |
| 2019 | 6 | 33.3% |
| 2020 | 3 | 66.7% |
| 2021 | 1 | 100% |
| 2022 | 5 | 80% |
| 2023 | 2 | 100% |
Source: CFPB Consumer Complaint Database
Razor Capital, LLC filings cluster in one product
Razor Capital, LLC's 65 logged complaints stay concentrated: only 25 states show a filing. 46.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2023-05-03.
Razor Capital, LLC answers 76.9% of complaints inside the CFPB's tracked window and closes 92.3% with a written explanation. 7.7% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Cont'd attempts collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Razor Capital, LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Razor Capital, LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 65.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 76.9%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Razor Capital, LLC (76.9% timely; 7.7% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration