Total CFPB complaints
7
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 7 complaints
BANK OZK — Debt Collector Complaint Profile
CFPB complaint profile across 4 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about BANK OZK
- Written notification about debt
Written notification about debt
2 complaints
- Communication tactics
Communication tactics
2 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
- False statements or representation
False statements or representation
1 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
B
Grade B · 68.4/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about BANK OZK?
BANK OZK has accumulated 7 total CFPB complaints across 4 states, with 1 filed in the most recent 12 months against 6 historical complaints before that window. The trailing-12-month volume represents 14.3% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 4 states, led by North Carolina with 3 and Florida with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 68.4/100 places BANK OZK in grade band B, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
14.3% of total history
Stable →
States active
4
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Reputation grade
B
68.4/100 composite
Response-quality profile
How BANK OZK performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does BANK OZK compare to its peers?
BANK OZK National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2018-06 2025-12
Top Consumer Issues
Written notification about debt2 (%)
Communication tactics2 (%)
Attempts to collect debt not owed1 (%)
False statements or representation1 (%)
Took or threatened to take negative or legal action1 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
Where do complaints against BANK OZK come from?
The states where consumers have filed the most CFPB complaints against BANK OZK. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against BANK OZK
Across 4 states with at least one filing
- North Carolina
North Carolina
3 complaints
- Florida
Florida
2 complaints
- Connecticut 1
Connecticut
1 complaints
- Texas 1
Texas
1 complaints
Frequently Asked Questions
What is the most common complaint against BANK OZK? ▼
The most common issue consumers report about BANK OZK is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 7 complaints filed with the CFPB.
Are complaints against BANK OZK increasing or decreasing? ▼
Complaints against BANK OZK have been stable. The company received 1 complaints in the last 12 months.
What is BANK OZK's reputation grade? ▼
BANK OZK has a reputation grade of B (score: 68.4/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
Does BANK OZK respond to consumer complaints? ▼
BANK OZK has a 100% timely response rate to CFPB complaints.
In how many states does BANK OZK operate? ▼
BANK OZK has received CFPB complaints from consumers in 4 states, with the most complaints from North Carolina (3 complaints).
What can I do if BANK OZK is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If BANK OZK violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |