Debt Collectors starting with O

About this alphabetical index

This page surfaces every debt-collection company in our CFPB consumer complaint dataset whose corporate name begins with the letter O. The Consumer Financial Protection Bureau's Consumer Complaint Database is the federal government's primary public record of consumer-finance disputes; it covers debt collectors, credit reporting agencies, mortgage servicers, credit card issuers, payday lenders, student loan servicers, and most other companies regulated under the Fair Debt Collection Practices Act (FDCPA), Truth in Lending Act (TILA), and related consumer-protection statutes.

The companies surfaced below are not ranked. Alphabetical archives exist to satisfy two reader needs: (1) a researcher who already has a specific company name in mind and wants to jump directly to that profile without paging through the full directory, and (2) a journalist or analyst comparing several companies whose names share a letter prefix. For ranked views — companies sorted by total complaint volume, complaints per million dollars of revenue, timely response percentage, or relief rate — see our rankings hub. For a single-page directory grouped by parent company, see all debt collectors.

Every company profile we link from this page is built from official CFPB data. We do not modify or summarize complaint narratives; we surface aggregate counts, resolution outcomes, response timeliness, and state-level distribution. Each company profile shows the most-complained-about product category, the percentage of complaints closed with consumer relief, the company's average federal response time, and a multi-year complaint volume trend. Where the underlying database identifies a parent company relationship — for example a holding company that owns multiple subsidiary collection agencies — we aggregate the children under the parent, but we also preserve the subsidiary-level breakdown so analysts can compare individual subsidiaries.

Consumers comparing companies on this page may want to consult our step-by-step dispute guide before contacting any of these collectors. The Fair Debt Collection Practices Act gives consumers specific rights — including the right to request written debt verification, the right to dispute debts they believe are inaccurate, and the right to demand a collector cease communication in writing — that often go unexercised because consumers don't know they exist. Companies on this list with high relief rates and quick response times are statistically more likely to engage constructively with documented disputes; companies with high complaint volume but low relief rates may require escalation to the CFPB directly via the federal complaint portal at consumerfinance.gov.

Data freshness: this archive is rebuilt from the CFPB's published quarterly Consumer Complaint Database release. Each company profile shows the underlying data vintage. Companies are added to this archive when they appear in the CFPB database with at least one consumer complaint; companies are not removed except where the CFPB itself removes records (rare). If a company's profile reflects outdated information, the underlying CFPB data is the official source — we publish what the federal government publishes.

How to read a debt-collector profile

Click any company name above to open its profile page. The profile is organized into five sections that, taken together, describe the company's federal complaint footprint without the analyst having to assemble the picture themselves. The first section is the headline complaint count — the all-time number of consumer complaints filed with the CFPB against that specific company, normalized to the parent corporate entity where possible. The second section breaks complaints down by product category (debt collection, credit reporting, mortgage, credit card, etc.); this matters because a company with five thousand mortgage complaints faces fundamentally different regulatory exposure than one with five thousand debt-collection complaints, even at the same volume.

The third section is geographic distribution — which states and metro areas generated the largest share of complaints against this company. Some collectors operate nationwide; others concentrate in a few high-population states; a small subset are effectively regional. Geographic concentration matters for both consumers (does this collector even operate where I live?) and regulators (does state-level licensing data agree with where consumers are filing complaints?). The fourth section is the resolution profile: what percentage of complaints were closed with monetary relief, what percentage with non-monetary relief, what percentage with explanation only, and how often the company missed the federal response deadline. Companies with a high "closed with explanation" rate but few documented relief outcomes may indicate a company that engages procedurally but rarely concedes. The fifth section is the recent-trend view: month-over-month or quarter-over-quarter complaint counts for the past three years, which lets the reader see whether a company is improving, plateauing, or in active decline.

For analysts comparing multiple companies, we recommend using the rankings hub rather than this alphabetical archive. The rankings hub supports sorting by total volume, by complaints per million dollars of revenue (where revenue data is available), by timely response percentage, and by relief rate. The rankings hub also surfaces lesser-known holding-company relationships — for example, when two apparently independent collection agencies are subsidiaries of the same parent company, the rankings hub groups them under the parent so that aggregate complaint exposure is visible at the corporate-family level rather than diluted across legal-entity subsidiaries that file under different DBAs.