Oracle Financial Group LLC.
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Payday loan
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 3 |
| 2014 | 47 |
| 2015 | 54 |
| 2016 | 34 |
| 2017 | 31 |
| 2018 | 17 |
| 2019 | 11 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Oracle Financial Group LLC.
Oracle Financial Group LLC. has 177 debt-collection complaints on file with the CFPB, which represents 89.8% of the 197 total complaints the Bureau has received about this entity. Reports have originated from consumers in 40 states and territories, making this a nationwide collection operation as measured by complaint volume. Consumers most frequently describe "Payday loan" as the debt type behind their complaint about this collector. The single most-cited specific issue is "Taking/threatening an illegal action" - a useful starting point for understanding where the friction between this collector and consumers most frequently occurs.
The company's timely response rate is 92.9%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark, which historically correlates with higher downstream dispute rates. 72.1% of resolved cases against this company closed with some form of consumer relief, a relatively high ratio for the debt-collection segment. In 22.3% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Oracle Financial Group LLC. have?
177 debt-collection complaints against Oracle Financial Group LLC. appear in the CFPB record - 89.8% of the company's total complaint volume.
Does Oracle Financial Group LLC. respond to complaints on time?
Oracle Financial Group LLC.'s CFPB timely-response rate is 92.9%.
Does Oracle Financial Group LLC. provide relief to consumers?
Oracle Financial Group LLC. closed 72.1% of resolved complaints with some form of consumer relief, monetary or non-monetary. This is a relatively high relief rate.
What type of debt does Oracle Financial Group LLC. primarily collect?
"Payday loan" is the debt type Oracle Financial Group LLC. is most associated with in CFPB complaint data - see the full breakdown above.
What rights do I have against Oracle Financial Group LLC.?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Oracle Financial Group LLC. active?
Consumers in 40 states and territories have filed CFPB complaints against Oracle Financial Group LLC..
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.