CFPB Consumer Complaint Profile
Oro Oc, LLC
Consumers have filed 14 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 14
- Total complaints
- Below average
- 1
- Last 12 months
- 28.6%
- Timely response
- Bottom decile
- 9
- States affected
The verdict
14 CFPB complaints put Oro Oc, LLC at #3314 out of 3,843 financial companies ranked by complaint volume. It posts a 28.6% on-time response rate, the 1st percentile among companies with 100+ complaints.
- #3314
- of 3,843 companies by volume
- 28.6%
- on time (1st pctile)
- Student loan
- most-complained product
- 9
- 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.
Oro Oc, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
28.6% Among the lowest higher than 1% 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 |
|---|---|
| 2016 | 1 |
| 2017 | 6 |
| 2018 | 1 |
| 2019 | 2 |
| 2021 | 2 |
| 2023 | 1 |
| 2025 | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Oro Oc, LLC
14 complaints against Oro Oc, LLC appear in the CFPB record, including 1 from the trailing year. The 9 states and territories represented put this footprint in geographically concentrated territory. "Student loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Dealing with your lender or servicer" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Oro Oc, LLC's timely response rate stands at 28.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, 57.1% 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 Oro Oc, LLC have?
The CFPB has logged 14 complaints against Oro Oc, LLC to date, of which 1 came in over the last 12 months.
Does Oro Oc, LLC respond to complaints on time?
Oro Oc, LLC has a 28.6% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Oro Oc, LLC?
Among all products tied to Oro Oc, LLC, "Student loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Oro Oc, LLC?
Consumers most often cite "Dealing with your lender or servicer" when complaining about Oro Oc, LLC; the full issue list with counts is above.
How do I file a complaint against Oro Oc, LLC?
You can file a complaint against Oro Oc, 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 Oro Oc, LLC?
Consumers in 9 states and territories have filed complaints about Oro Oc, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Oro Oc, 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 (0% here).
Also handles Student loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Oro Oc, LLC have?
The CFPB has logged 14 complaints against Oro Oc, LLC to date, of which 1 came in over the last 12 months.
Does Oro Oc, LLC respond to complaints on time?
Oro Oc, LLC has a 28.6% timely response rate to CFPB complaints. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Oro Oc, LLC?
Among all products tied to Oro Oc, LLC, "Student loan" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Oro Oc, LLC?
Consumers most often cite "Dealing with your lender or servicer" when complaining about Oro Oc, LLC; the full issue list with counts is above.
How do I file a complaint against Oro Oc, LLC?
You can file a complaint against Oro Oc, 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 Oro Oc, LLC?
Consumers in 9 states and territories have filed complaints about Oro Oc, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.