What is the most common complaint against Opportunity Financial, LLC?

The most common issue consumers report about Opportunity Financial, LLC is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 588 complaints filed with the CFPB.

Are complaints against Opportunity Financial, LLC increasing or decreasing?

Complaints against Opportunity Financial, LLC are rising. The company received 338 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Opportunity Financial, LLC's reputation grade?

Opportunity Financial, LLC has a reputation grade of C (score: 59.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Opportunity Financial, LLC respond to consumer complaints?

Opportunity Financial, LLC has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Opportunity Financial, LLC operate?

Opportunity Financial, LLC has received CFPB complaints from consumers in 40 states, with the most complaints from Florida (106 complaints).

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

Opportunity Financial, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade C.

Compiled by PlainCollector

Attempts to collect debt not owed

196
Took or threatened to take negative or legal action

191
False statements or representation

90
Written notification about debt

84
Communication tactics

13
Electronic communications

11

Data updated September 2026

CFPB complaint disposition

CCDB record opportunity-financial-llc Opportunity Financial, LLC

Grade C · 588 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #240 · compose #2482

VOL 588
GRADE C
12MO 338
STATES 40
TIMELY 99%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #240
COMPOSE #2,482

Volume peers

Nearest volume peer: Optimum Outcomes, Inc. (591 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Opportunity Financial, LLC's 588 CFPB complaints sit next to Optimum Outcomes, Inc. 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 →

Filing geometry

Florida is the plurality state for Opportunity Financial, LLC (18.0%)

Volume rank #240 and composite rank #2,482 diverge by 2,242 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Florida 18.0%; Mid-band (15–30%) · 40 states with ≥1 filing
Seasonal peak: 2025-09 9.4%; 8–15% band · 21 filings
Divergent corpus ranks: #240 volume; #2,482 composite; Cleanest-composite ladder is 2,242 places worse than volume

How does Opportunity Financial, LLC compare to its peers?

How does Opportunity 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

Opportunity Financial,… National average

Complaints (last 12 mo)lower is better

338

268

Timely-response ratehigher is better

99%

88%

91%

Consumer-dispute ratelower is better

22%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	196
Took or threatened to take negative or legal action	191
False statements or representation	90
Written notification about debt	84
Communication tactics	13
Electronic communications	11
Threatened to contact someone or share information improperly	2
Improper contact or sharing of info	1

Where do complaints against Opportunity Financial, LLC come from?

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

Florida

106
Texas

72
California

43
South Carolina

38
Arizona

29
Tennessee

27
Virginia

27
North Carolina

25

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Opportunity 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: 588.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.19028340080972%.

4 peers

Know your rights before responding to Opportunity 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.