CFPB Consumer Complaint Profile
Optima Recovery Services LLC.
57 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 57
- Total complaints
- Mid-range
- 1
- Last 12 months
- 96.5%
- Timely response
- Below median
- 14
- States affected
The verdict
Optima Recovery Services LLC. ranks #1717 of 3,843 financial companies by CFPB complaint volume, with 57 complaints on record. On-time replies land at 96.5%, the 36th percentile for the 100+ complaint peer group.
- #1717
- of 3,843 companies by volume
- 96.5%
- on time (36th pctile)
- Debt collection
- most-complained product
- 14
- 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.
Optima Recovery Services LLC. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.5% Around the middle higher than 36% 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 | 2 |
| 2014 | 4 |
| 2015 | 4 |
| 2016 | 8 |
| 2017 | 11 |
| 2018 | 5 |
| 2019 | 2 |
| 2020 | 8 |
| 2021 | 11 |
| 2022 | 1 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Optima Recovery Services LLC.
Optima Recovery Services LLC. carries 57 complaints in the CFPB's database, 1 of them filed within the past 12 months. Consumers spanning 14 states and territories have weighed in, giving this a geographically concentrated footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Written notification about debt" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Optima Recovery Services LLC. draw a 96.5% reply rate inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Consumers formally disputed the company's response at a 15% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Among resolved complaints, 50.9% closed with some form of monetary or non-monetary relief to the consumer.
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 Optima Recovery Services LLC. have?
57 complaints have been filed against Optima Recovery Services LLC. with the CFPB overall - 1 of them in the past year.
Does Optima Recovery Services LLC. respond to complaints on time?
Optima Recovery Services LLC.'s CFPB timely-response rate is 96.5%. This is considered excellent.
What product generates the most complaints for Optima Recovery Services LLC.?
"Debt collection" draws more CFPB complaints against Optima Recovery Services LLC. than any other product - see the full breakdown above.
What is the most common complaint issue with Optima Recovery Services LLC.?
"Written notification about debt" is the single most frequently cited issue in complaints against Optima Recovery Services LLC. - see all issues and counts above.
How do I file a complaint against Optima Recovery Services LLC.?
You can file a complaint against Optima Recovery Services 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 Optima Recovery Services LLC.?
The CFPB has recorded complaints against Optima Recovery Services LLC. from 14 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Optima Recovery Services 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 (15% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Optima Recovery Services LLC. have?
57 complaints have been filed against Optima Recovery Services LLC. with the CFPB overall - 1 of them in the past year.
Does Optima Recovery Services LLC. respond to complaints on time?
Optima Recovery Services LLC.'s CFPB timely-response rate is 96.5%. This is considered excellent.
What product generates the most complaints for Optima Recovery Services LLC.?
"Debt collection" draws more CFPB complaints against Optima Recovery Services LLC. than any other product - see the full breakdown above.
What is the most common complaint issue with Optima Recovery Services LLC.?
"Written notification about debt" is the single most frequently cited issue in complaints against Optima Recovery Services LLC. - see all issues and counts above.
How do I file a complaint against Optima Recovery Services LLC.?
You can file a complaint against Optima Recovery Services 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 Optima Recovery Services LLC.?
The CFPB has recorded complaints against Optima Recovery Services LLC. from 14 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.