Total CFPB complaints
300
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 300 complaints
OLIPHANT FINANCIAL, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about OLIPHANT FINANCIAL, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
128 complaints
- Written notification about debt 50
Written notification about debt
50 complaints
- False statements or representation 30
False statements or representation
30 complaints
- Communication tactics 20
Communication tactics
20 complaints
- Took or threatened to take negative or legal action 15
Took or threatened to take negative or legal action
15 complaints
- Cont'd attempts collect debt not owed 7
Cont'd attempts collect debt not owed
7 complaints
D
Grade D · 52.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about OLIPHANT FINANCIAL, LLC?
OLIPHANT FINANCIAL, LLC has accumulated 300 total CFPB complaints across 39 states, with 1 filed in the most recent 12 months against 299 historical complaints before that window. The trailing-12-month volume represents 0.3% 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 "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 89% 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 39 states, led by Florida with 36 and New York with 32, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 52.7/100 places OLIPHANT FINANCIAL, LLC in grade band D, 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
0.3% of total history
Falling ↓
States active
39
Distinct state filings
Timely response rate
89%
Within CFPB SLA window
Consumer disputes
25%
After company response
Reputation grade
D
52.7/100 composite
Response-quality profile
How OLIPHANT FINANCIAL, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 89.0%
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 69.6%
Share of US states + territories with at least one filed complaint against this collector.
How does OLIPHANT FINANCIAL, LLC compare to its peers?
OLIPHANT FINANCIAL, LL… 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)
2023-04 2025-03
Top Consumer Issues
Attempts to collect debt not owed128 (%)
False statements or representation30 (%)
Written notification about debt50 (%)
Took or threatened to take negative or legal action15 (%)
Communication tactics20 (%)
Cont'd attempts collect debt not owed7 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 83 |
| Attempts to collect debt not owed | Debt was result of identity theft | 37 |
| False statements or representation | Attempted to collect wrong amount | 30 |
| Written notification about debt | Didn't receive notice of right to dispute | 26 |
| Written notification about debt | Didn't receive enough information to verify debt | 24 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 15 |
| Communication tactics | Frequent or repeated calls | 13 |
| Attempts to collect debt not owed | Debt was paid | 8 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 7 |
Where do complaints against OLIPHANT FINANCIAL, LLC come from?
The states where consumers have filed the most CFPB complaints against OLIPHANT FINANCIAL, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against OLIPHANT FINANCIAL, LLC
Across 39 states with at least one filing
- Florida
Florida
36 complaints
- New York
New York
32 complaints
- Texas
Texas
26 complaints
- Pennsylvania
Pennsylvania
25 complaints
- California
California
22 complaints
- Georgia
Georgia
21 complaints
- New Jersey
New Jersey
17 complaints
- Illinois 12
Illinois
12 complaints
Frequently Asked Questions
What is the most common complaint against OLIPHANT FINANCIAL, LLC? ▼
The most common issue consumers report about OLIPHANT FINANCIAL, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 300 complaints filed with the CFPB.
Are complaints against OLIPHANT FINANCIAL, LLC increasing or decreasing? ▼
Complaints against OLIPHANT FINANCIAL, LLC are falling. The company received 1 complaints in the last 12 months, showing improvement over prior periods.
What is OLIPHANT FINANCIAL, LLC's reputation grade? ▼
OLIPHANT FINANCIAL, LLC has a reputation grade of D (score: 52.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does OLIPHANT FINANCIAL, LLC respond to consumer complaints? ▼
OLIPHANT FINANCIAL, LLC has a 89% timely response rate to CFPB complaints. Consumers disputed the company's response in 25% of cases.
In how many states does OLIPHANT FINANCIAL, LLC operate? ▼
OLIPHANT FINANCIAL, LLC has received CFPB complaints from consumers in 39 states, with the most complaints from Florida (36 complaints).
What can I do if OLIPHANT FINANCIAL, LLC 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 OLIPHANT FINANCIAL, LLC 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 |