CFPB Consumer Complaint Profile
Razor Capital, LLC
Consumers have filed 65 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 65
- Total complaints
- Mid-range
- 0
- Last 12 months
- 76.9%
- Timely response
- Bottom decile
- 25
- States affected
The verdict
65 CFPB complaints put Razor Capital, LLC at #1604 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 76.9%, the 8th percentile among companies with 100+ complaints.
- #1604
- of 3,843 companies by volume
- 76.9%
- on time (8th pctile)
- Debt collection
- most-complained product
- 25
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Razor Capital, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
76.9% Among the lowest higher than 8% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 3 |
| 2014 | 7 |
| 2015 | 11 |
| 2016 | 10 |
| 2017 | 11 |
| 2018 | 6 |
| 2019 | 6 |
| 2020 | 3 |
| 2021 | 1 |
| 2022 | 5 |
| 2023 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Razor Capital, LLC
The CFPB Consumer Complaint Database has logged 65 complaints against Razor Capital, LLC overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 25 states and territories, making this a multi-regional complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Cont'd attempts collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Razor Capital, LLC draw a 76.9% reply rate inside the Bureau's 15-day window. That is far under the 95% benchmark - a material red flag, since late or missing responses are among the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 24.3% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 7.7% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Razor Capital, LLC have?
Razor Capital, LLC has 65 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Razor Capital, LLC respond to complaints on time?
Razor Capital, LLC has a 76.9% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Razor Capital, LLC?
Among all products tied to Razor Capital, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Razor Capital, LLC?
"Cont'd attempts collect debt not owed" is the single most frequently cited issue in complaints against Razor Capital, LLC - see all issues and counts above.
How do I file a complaint against Razor Capital, LLC?
You can file a complaint against Razor Capital, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Razor Capital, LLC?
Consumers in 25 states and territories have filed complaints about Razor Capital, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Razor Capital, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (24.3% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Razor Capital, LLC have?
Razor Capital, LLC has 65 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Razor Capital, LLC respond to complaints on time?
Razor Capital, LLC has a 76.9% timely response rate to CFPB complaints. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Razor Capital, LLC?
Among all products tied to Razor Capital, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Razor Capital, LLC?
"Cont'd attempts collect debt not owed" is the single most frequently cited issue in complaints against Razor Capital, LLC - see all issues and counts above.
How do I file a complaint against Razor Capital, LLC?
You can file a complaint against Razor Capital, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Razor Capital, LLC?
Consumers in 25 states and territories have filed complaints about Razor Capital, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.