CFPB Consumer Complaint Profile

Optimum Outcomes, Inc.

Behind the 638 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.

Data updated 2026-05-15

638
Total complaints
2
Last 12 months
88.9%
Timely response
36
States affected

The verdict

Optimum Outcomes, Inc. ranks #440 of 3,848 financial companies by CFPB complaint volume, with 638 complaints on record. 88.9% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.

#440
of 3,848 companies by volume
88.9%
answered on time
Debt collection
most-complained product
36
states with complaints
Optimum Outcomes, Inc. timely response rate 88.9%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Medical 217
Debt collection - Medical debt 207
Debt collection - I do not know 112
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 43
Debt collection - Other debt 27
Debt collection - Other (i.e. phone, health club, etc.) 13
Credit reporting 8
Debt collection - Credit card debt 7
Debt collection - Mortgage 1
Debt collection - Payday loan 1

Top Issues

1.Attempts to collect debt not owed 149
2.Cont'd attempts collect debt not owed 140
3.Written notification about debt 92
4.Disclosure verification of debt 82
5.Communication tactics 69
6.Incorrect information on your report 27
7.False statements or representation 23
8.Improper contact or sharing of info 14
9.Problem with a credit reporting company's investigation into an existing problem 14
10.Took or threatened to take negative or legal action 10

Complaints by Year

Year Complaints
2013 4
2014 54
2015 73
2016 108
2017 145
2018 111
2019 51
2020 34
2021 36
2022 14
2023 5
2024 1
2025 2

Complaints by State (Top 15)

North Carolina 244
Georgia 119
Florida 78
Wisconsin 36
Texas 34
California 14
Louisiana 12
South Carolina 11
New Jersey 8
New York 8
Tennessee 7
Maryland 6
Illinois 6
Pennsylvania 5
Virginia 5

Company Responses

Closed with explanation 637
Closed 1

What the CFPB Complaint Record Shows for Optimum Outcomes, Inc.

Optimum Outcomes, Inc. carries 638 complaints in the CFPB's database, 2 of them filed within the past 12 months. Consumers spanning 36 states and territories have weighed in, giving this a multi-regional footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.

Optimum Outcomes, Inc.'s timely response rate stands at 88.9%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That sits below the 95% industry benchmark and tends to correlate with higher consumer dispute rates downstream. In 21.8% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 0% closed with the consumer receiving monetary or non-monetary relief.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 Optimum Outcomes, Inc. have?

The CFPB has logged 638 complaints against Optimum Outcomes, Inc. to date, of which 2 came in over the last 12 months.

Does Optimum Outcomes, Inc. respond to complaints on time?

88.9% of the CFPB complaints against Optimum Outcomes, Inc. get a response within the expected window.

What product generates the most complaints for Optimum Outcomes, Inc.?

Among all products tied to Optimum Outcomes, Inc., "Debt collection" accounts for the largest share of complaints (full breakdown above).

What is the most common complaint issue with Optimum Outcomes, Inc.?

"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Optimum Outcomes, Inc. - see all issues and counts above.

How do I file a complaint against Optimum Outcomes, Inc.?

You can file a complaint against Optimum Outcomes, Inc. 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 Optimum Outcomes, Inc.?

Optimum Outcomes, Inc. has drawn CFPB complaints from 36 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.