Total CFPB complaints
48
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 48 complaints
O&L LAW GROUP, P.L. — 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 O&L LAW GROUP, P.L.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
16 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
12 complaints
- Written notification about debt
Written notification about debt
11 complaints
- Confusing or missing disclosures 2
Confusing or missing disclosures
2 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
- Communication tactics 1
Communication tactics
1 complaints
C
Grade C · 62.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about O&L LAW GROUP, P.L.?
O&L LAW GROUP, P.L. has accumulated 48 total CFPB complaints across 4 states, with 3 filed in the most recent 12 months against 45 historical complaints before that window. The trailing-12-month volume represents 6.3% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
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 against a 25% consumer-dispute-after-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 Florida with 45 and Ohio with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.6/100 places O&L LAW GROUP, P.L. in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3
6.3% of total history
Falling ↓
States active
4
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
C
62.6/100 composite
Response-quality profile
How O&L LAW GROUP, P.L. 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.
Consumer dispute rate (post-response) 50.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 7.1%
Share of US states + territories with at least one filed complaint against this collector.
How does O&L LAW GROUP, P.L. compare to its peers?
O&L LAW GROUP, P.L. 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)
2020-02 2025-11
Top Consumer Issues
Written notification about debt11 (%)
Attempts to collect debt not owed12 (%)
Took or threatened to take negative or legal action16 (%)
Confusing or missing disclosures2 (%)
Taking/threatening an illegal action1 (%)
Communication tactics1 (%)
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 | 8 |
| Attempts to collect debt not owed | Debt is not yours | 8 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 8 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 5 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Written notification about debt | Didn't receive notice of right to dispute | 3 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 3 |
| Confusing or missing disclosures | — | 2 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Communication tactics | Threatened to take legal action | 1 |
Where do complaints against O&L LAW GROUP, P.L. come from?
The states where consumers have filed the most CFPB complaints against O&L LAW GROUP, P.L.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against O&L LAW GROUP, P.L.
Across 4 states with at least one filing
- Florida
Florida
45 complaints
- Ohio 1
Ohio
1 complaints
- California 1
California
1 complaints
- Maryland 1
Maryland
1 complaints
Frequently Asked Questions
What is the most common complaint against O&L LAW GROUP, P.L.? ▼
The most common issue consumers report about O&L LAW GROUP, P.L. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 48 complaints filed with the CFPB.
Are complaints against O&L LAW GROUP, P.L. increasing or decreasing? ▼
Complaints against O&L LAW GROUP, P.L. are falling. The company received 3 complaints in the last 12 months, showing improvement over prior periods.
What is O&L LAW GROUP, P.L.'s reputation grade? ▼
O&L LAW GROUP, P.L. has a reputation grade of C (score: 62.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does O&L LAW GROUP, P.L. respond to consumer complaints? ▼
O&L LAW GROUP, P.L. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.
In how many states does O&L LAW GROUP, P.L. operate? ▼
O&L LAW GROUP, P.L. has received CFPB complaints from consumers in 4 states, with the most complaints from Florida (45 complaints).
What can I do if O&L LAW GROUP, P.L. 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 O&L LAW GROUP, P.L. 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 |