This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 299 complaints

Oliphant Financial, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 39 states, reputation grade D.

Complaints by issue type

What consumers report about Oliphant Financial, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record oliphant-financial-llc Oliphant Financial, LLC

Grade D · 299 CFPB filings · 89% timely · lead issue: Attempts to collect debt not owed · vol #398 · compose #405

  • VOL 299
  • GRADE D
  • 12MO 0
  • STATES 39
  • TIMELY 89%
  • DISPUTE 25%
  • ISSUE Attempts to collect debt n…
  • RANK #398
  • COMPOSE #405

Volume peers

Nearest volume peer: Grant Mercantile Agency (299 complaints)

CAC Financial CorpCAC Financial Corp297Grant Mercantile AgencyGrant Mercantile Agency299Oliphant Financial, LLC (this)Oliphant Financial, LLC (thi…299International Computer Systems, Inc.International Computer Syste…301Nelson Cruz & Associates LLCNelson Cruz & Associates LLC301
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Oliphant Financial, LLC's 299 CFPB complaints sit next to Grant Mercantile Agency on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 299 complaints break down

Every complaint issue type on record for Oliphant Financial, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
49.4/100
Oliphant Financial, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
299
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
89%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
25%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Distributed filing map

Oliphant Financial, LLC spreads filings across 39 states - Florida leads at only 12.0%

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. Corpus placement method.

Most-even geography
Lead state under 15%
Florida still leads at 12.0% across 39 states
Seasonal peak
2026-02 9.2%
8–15% band · 66 filings
Corpus ranks
#398 volume
#405 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

How does Oliphant Financial, LLC compare to its peers?

How does OLIPHANT FINANCIAL, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
OLIPHANT FINANCIAL, LLC National average
Complaints (last 12 mo)lower is better
0
41
268
Timely-response ratehigher is better
89%
100%
91%
Consumer-dispute ratelower is better
25%
15%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Oliphant Financial, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Oliphant Financial, LLC vs. 10 similar-volume peers, by response speed and dispute rate Oliphant Financial, LLCGrant Mercantile AgencyCAC Financial CorpNelson Cruz & Associates LLCInternational Computer Systems, Inc.Complete Credit Solutions, Inc.Lending Club CorpMedia Collections, IncFMA Alliance, Ltd.United PanAm Financial Corp.Glasser and Glasser, PLC
Source: CFPB Consumer Complaint Database

Oliphant Financial, LLC's complaint volume in context

Oliphant Financial, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

299 Top 7% higher than 93% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Oliphant Financial, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
131
Written notification about debt
51
False statements or representation
32
Took or threatened to take negative or legal action
28
Communication tactics
26
Cont'd attempts collect debt not owed
11
Improper contact or sharing of info
6
Disclosure verification of debt
5
Threatened to contact someone or share information improperly
5
Electronic communications
3

Where do complaints against Oliphant Financial, LLC come from?

Oliphant Financial, LLC's own per-state count, not a national baseline.

Top states by complaints against Oliphant Financial, LLC

Across 39 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Oliphant Financial, LLC: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 299.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 89%.

4 peers

Know your rights before responding to Oliphant Financial, LLC: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.