CFPB Consumer Complaint Profile

Oracle Financial Group LLC.

What 197 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

197
Total complaints
0
Last 12 months
92.9%
Timely response
40
States affected

The verdict

Out of 3,848 financial companies in the CFPB database, Oracle Financial Group LLC. has accumulated 197 complaints, placing it #950 by volume. Its on-time response rate is 92.9%, ahead of the 93% median among companies with 100+ complaints.

#950
of 3,848 companies by volume
92.9%
answered on time
Debt collection
most-complained product
40
states with complaints
Oracle Financial Group LLC. timely response rate 92.9%
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 - Payday loan 64
Debt collection - I do not know 58
Debt collection - Payday loan debt 25
Debt collection - Other (i.e. phone, health club, etc.) 13
Debt collection - Credit card 12
Payday loan 7
Payday loan, title loan, or personal loan - Payday loan 5
Consumer Loan - Installment loan 4
Debt collection - Other debt 4
Consumer Loan - Personal line of credit 1

Top Issues

1.Taking/threatening an illegal action 42
2.Communication tactics 39
3.False statements or representation 31
4.Cont'd attempts collect debt not owed 20
5.Took or threatened to take negative or legal action 17
6.Improper contact or sharing of info 16
7.Problems when you are unable to pay 5
8.Disclosure verification of debt 5
9.Charged fees or interest I didn't expect 4
10.Threatened to contact someone or share information improperly 3

Complaints by Year

Year Complaints
2013 3
2014 47
2015 54
2016 34
2017 31
2018 17
2019 11

Complaints by State (Top 15)

Texas 35
Florida 23
California 21
Ohio 12
Tennessee 11
Missouri 7
New Jersey 6
Pennsylvania 6
Michigan 5
South Carolina 5
Virginia 5
Georgia 4
North Carolina 4
Oregon 4
Illinois 3

Company Responses

Closed with non-monetary relief 141
Closed with explanation 45
Closed 10
Closed with monetary relief 1

What the CFPB Complaint Record Shows for Oracle Financial Group LLC.

The CFPB Consumer Complaint Database has logged 197 complaints against Oracle Financial Group LLC. overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 40 states and territories, making this a nationwide complaint footprint. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Taking/threatening an illegal action" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Oracle Financial Group LLC.'s timely response rate stands at 92.9%, 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 22.3% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. 72.1% 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 Oracle Financial Group LLC. have?

197 complaints have been filed against Oracle Financial Group LLC. with the CFPB overall - 0 of them in the past year.

Does Oracle Financial Group LLC. respond to complaints on time?

Oracle Financial Group LLC.'s CFPB timely-response rate is 92.9%.

What product generates the most complaints for Oracle Financial Group LLC.?

"Debt collection" draws more CFPB complaints against Oracle Financial Group LLC. than any other product - see the full breakdown above.

What is the most common complaint issue with Oracle Financial Group LLC.?

The most common issue reported by consumers about Oracle Financial Group LLC. is "Taking/threatening an illegal action." All complaint issues are listed above with their counts.

How do I file a complaint against Oracle Financial Group LLC.?

You can file a complaint against Oracle Financial Group 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 Oracle Financial Group LLC.?

The CFPB has recorded complaints against Oracle Financial Group 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.

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

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