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Business Profile

Debt Buyers

Rocky Mountain Capital Management LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Debt Buyers.

Complaints

This profile includes complaints for Rocky Mountain Capital Management LLC's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 7 total complaints in the last 3 years.
    • 1 complaint closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/30/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      September 4/2024.

      Business Response

      Date: 11/08/2024

      We have received and reviewed this complaint.  Since the time the complaint was submitted, we have spoken with Ms. ******* and removed her payments pursuant to her request.  We trust that our response and remediation suffices your agency as we considered this matter to be closed.  

    • Initial Complaint

      Date:02/04/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Hello, I am a truck driver who works over the road, I depend on the money that I make and not my credit. Its been a while since I've pulled my credit report and Ive come across this company who I do not recognize especially never having a contract with them. I am not liable for this debt with (******** *** **** ** ********. I do not have a contract with Rocky Mountain Capital Management LLC , they did not provide me the contract as requested.

      Business Response

      Date: 02/19/2024

      Rocky Mountain Capital Management ("RMCM") is in receipt of the complaint submitted by ******* ******** in this matter. RMCM is a debt buying company that acquires portfolios of charged off consumer debt directly from the issuers as well as resellers.  RMCM does not engage in any type of credit reporting activities.  RMCM acquired Mr. ********'s Total Card account directly from the issuer - The **** ** ********.  The **** ** ******** credit reported his account, not RMCM.  As the **** ** ******** was the entity that credit reported this account, Mr. ******** will need to address this matter directly with the **** ** *********  RMCM has no control over what the **** ** ******** credit reports with respect to these accounts.  

    • Initial Complaint

      Date:07/26/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I’m filling a complaint because this company is reporting inaccurate account on my credit report account number is*****1 I would like this account removed from my credit report immediately

      Business Response

      Date: 08/01/2023

      Rocky Mountain Capital Management "RMCM" is in receipt of the complaint submitted by ******* **** with respect to this matter.  RMCM is a debt buying company that acquires, sells and outsources portfolios of default consumer debt.    We acquired Mr. ****** Total Card account from the **** ** *********   RMCM does not credit report the account we acquire nor do we engage in any sort of credit reporting activities. It appears that the original creditor, **** ** ******** - ***** ****, credit reported Mr. ****** account prior to selling to his account.  As we do not engage in any type of credit reporting, we have no control over what **** ** ******** may have reported to he credit reporting agencies with respect to Mr. ****** account.  If Mr. **** has any issues or concerns relating to the credit reporting of his account he will need to contact **** ** ******** directly.   

    • Initial Complaint

      Date:06/21/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Rocky Mountain Capital Management sent my account to a *** ********* and they are calling my ex husband and ex mother in law telling all my information. I have tried to contact Rocky Mountain Capital Management to resolve the issue with them and have not received a return call.

      Business Response

      Date: 07/07/2023

      We are in receipt of the complaint submitted by ****** ********* and have had the opportunity to review the same.  Ms. *********** charged off Total Card account is being serviced in-house with Rocky Mountain Capital Management. On June 21, 2023 one of our agents spoke with Ms. ********* concerning her account. At that time Ms. ********* indicated to our agent that she was looking to setup some sort of payment arrangement on her account.  Ms. ********* indicated to our agent that she would call back to established a payment arrangement.  Ms. ********* never called our company back concerning this matter and a couple of calls we made to her to follow up on this matter went unanswered and our requests for her to call us back were not responded to.  We are more than happy to still work with Ms. ********* to resolve her account.  If Ms. ********* still wants to to discuss payment arrangements or desires any additional information concerning her account, we would ask that she contacts us office.  Based on the above, we trust that we have satisfactorily addressed the concerns raised in Ms. *********** complaint. All collection activities engaged in by our company were done in a compliant and professional manner. 

    • Initial Complaint

      Date:06/19/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ** ** ************** **** and do not have a contract with Rocky Mountain Capital Management. They did not provide me with the original application like I asked.

      Business Response

      Date: 06/20/2023

      We are in receipt of and have reviewed the complaint submitted by ***** ******. Rocky Mountain Capital Management is a company that acquires and outsources portfolios of defaulted consumer debt.  Rocky Mountain Capital Management does not engage in any type of credit reporting activities and never reported Mr. ******'s account to any credit reporting agency.  The original issuer ***** **** * **** ** ******** most likely credit reported Mr. ******'s account.  As such, Mr. ****** will need to contact **** ** ******** to address the credit reporting issue.  If this account was opened as a result of fraud, we would request that Mr. ****** either provided us with an FTC Identity Theft Affidavit or a police report so we may formally close his out out as fraud.  

    • Initial Complaint

      Date:02/18/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This collection agency has been paid in full and lying to credit reporting agency saying it remains unpaid and charged off when in fact it was paid on 3/7/2022 via Bank of America checking account.

      Business Response

      Date: 02/21/2023

       

      Our company is in receipt of the complaint submitted by ******** ********.  We have reviewed her complaint in detail and respond as follows:  Ms. ******** did in fact settle her defaulted Total Card account in March of 2022 with our company. As such, her account is considered paid and she has no further obligation with respect to this matter.  Rocky Mountain Capital Management does not credit report the accounts we acquire and we have never reported Ms. ********** account to any of the credit reporting agencies.  The original issuer of the account may have credit reported this account.  Unfortunately we do not have any control over this process and Ms. ******** would need to contact Total Card directly to ascertain why they are still credit reporting this account. We have advised Total Card that this account was paid but it is ultimately up to Total Card as to what they do woth respect to the credit reporting of this account.   


    • Initial Complaint

      Date:02/09/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Fraudulent account. Never opened by me. No payment history. Burden of proof is on creditor. I have no knowledge of this account

      Business Response

      Date: 02/15/2023

      Rocky Mountain Capital Management LLC is in receipt of the complaint submitted to your agency by ***** ******.  We have reviewed Mr. ******** complaint as respond as follows: Rocky Mountain Capital Management is a debt buying company that acquires, sells and outsources portfolios of defaulted consumer debt.  Mr. ****** called our company on January 4, 2023 concerning this account and the fact that is was opened fraudulently.  After speaking with Mr. ****** we recalled the account from the collection agency we had it placed with and then closed the account out as fraud.  Rocky Mountain Capital Management does not engage in credit reporting and never credit reported this account.  This was communicated to Mr. ****** during the phone conversation on January 4, 2023. If the original creditor reported this account to the credit reporting bureaus, Mr. ****** is going to have to directly them with them as we have no control over what the original creditor did in terms of credit reporting prior to our acquisition of the account.  We consider this matter to be closed as we appropriately handled this matter back on January 4, 2023 when Mr. ****** contacted our company. 

    Rocky Mountain Capital Management LLC is NOT a BBB Accredited Business.

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