CFPB Consumer Complaint Profile
Optio Solutions, LLC
Behind the 662 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 662
- Total complaints
- Above average
- 372
- Last 12 months
- 98.9%
- Timely response
- Above median
- 40
- States affected
The verdict
Optio Solutions, LLC ranks #433 of 3,843 financial companies by CFPB complaint volume, with 662 complaints on record. Its on-time response rate is 98.9%, the 59th percentile among companies with 100+ complaints.
- #433
- of 3,843 companies by volume
- 98.9%
- on time (59th pctile)
- Debt collection
- most-complained product
- 40
- states with complaints
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.
Optio Solutions, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.9% Higher than most higher than 59% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 88 in 2024 to 299 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 18 |
| 2015 | 25 |
| 2016 | 21 |
| 2017 | 7 |
| 2018 | 12 |
| 2019 | 13 |
| 2020 | 6 |
| 2021 | 7 |
| 2022 | 8 |
| 2023 | 27 |
| 2024 | 88 |
| 2025 | 299 |
| 2026year in progress | 130 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Optio Solutions, LLC
Optio Solutions, LLC carries 662 complaints in the CFPB's database, 372 of them filed within the past 12 months. Consumers spanning 40 states and territories have weighed in, giving this a nationwide footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
CFPB-forwarded complaints against Optio Solutions, LLC draw a 98.9% reply rate inside the Bureau's 15-day window. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 17.9% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
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 Optio Solutions, LLC have?
662 complaints have been filed against Optio Solutions, LLC with the CFPB overall - 372 of them in the past year.
Does Optio Solutions, LLC respond to complaints on time?
Optio Solutions, LLC has a 98.9% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Optio Solutions, LLC?
The most complained-about product for Optio Solutions, LLC is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with Optio Solutions, LLC?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Optio Solutions, LLC - see all issues and counts above.
How do I file a complaint against Optio Solutions, LLC?
You can file a complaint against Optio Solutions, 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 Optio Solutions, LLC?
The CFPB has recorded complaints against Optio Solutions, LLC from 40 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 Optio Solutions, 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 (17.9% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.