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 2026-05-15
- 662
- Total complaints
- 372
- Last 12 months
- 98.9%
- Timely response
- 40
- States affected
The verdict
Optio Solutions, LLC ranks #434 of 3,848 financial companies by CFPB complaint volume, with 662 complaints on record. Its on-time response rate is 98.9%, ahead of the 93% median among companies with 100+ complaints.
- #434
- of 3,848 companies by volume
- 98.9%
- answered on time
- Debt collection
- most-complained product
- 40
- states with complaints
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 |
| 2026 | 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.
98.9% of CFPB-forwarded complaints against Optio Solutions, LLC get a reply 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 was formally disputed in 17.9% of resolved cases, indicating how frequently the initial fix fell short. 0% of resolved complaints ended with some monetary or non-monetary relief for 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 (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 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.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~662)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.