Total CFPB complaints
494
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 494 complaints
Opportunity Financial, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 41 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Opportunity Financial, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
172 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
128 complaints
- False statements or representation
False statements or representation
82 complaints
- Written notification about debt
Written notification about debt
72 complaints
- Electronic communications 6
Electronic communications
6 complaints
- Communication tactics 5
Communication tactics
5 complaints
C
Grade C · 61.6/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Opportunity Financial, LLC?
Opportunity Financial, LLC has accumulated 494 total CFPB complaints across 41 states, with 291 filed in the most recent 12 months against 203 historical complaints before that window. The trailing-12-month volume represents 58.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 0% 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 41 states, led by Florida with 97 and Texas with 55, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 61.6/100 places Opportunity Financial, LLC 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
291
58.9% of total history
Rising ↑
States active
41
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
61.6/100 composite
Response-quality profile
How Opportunity Financial, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 73.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Opportunity Financial, LLC compare to its peers?
Opportunity Financial,… 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)
2024-04 2026-03
Top Consumer Issues
Took or threatened to take negative or legal action128 (%)
Attempts to collect debt not owed172 (%)
False statements or representation82 (%)
Written notification about debt72 (%)
Electronic communications6 (%)
Communication tactics5 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 128 |
| Attempts to collect debt not owed | Debt is not yours | 93 |
| False statements or representation | Attempted to collect wrong amount | 82 |
| Attempts to collect debt not owed | Debt was result of identity theft | 55 |
| Written notification about debt | Didn't receive enough information to verify debt | 52 |
| Written notification about debt | Didn't receive notice of right to dispute | 20 |
| Attempts to collect debt not owed | Debt was paid | 19 |
| Electronic communications | Frequent or repeated messages | 6 |
| Communication tactics | Frequent or repeated calls | 5 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 5 |
Where do complaints against Opportunity Financial, LLC come from?
The states where consumers have filed the most CFPB complaints against Opportunity Financial, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Opportunity Financial, LLC
Across 41 states with at least one filing
- Florida
Florida
97 complaints
- Texas
Texas
55 complaints
- California 37
California
37 complaints
- South Carolina 26
South Carolina
26 complaints
- Tennessee 26
Tennessee
26 complaints
- Virginia 22
Virginia
22 complaints
- Michigan 21
Michigan
21 complaints
- Arizona 21
Arizona
21 complaints
Frequently Asked Questions
What is the most common complaint against Opportunity Financial, LLC? ▼
The most common issue consumers report about Opportunity Financial, LLC is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 494 complaints filed with the CFPB.
Are complaints against Opportunity Financial, LLC increasing or decreasing? ▼
Complaints against Opportunity Financial, LLC are rising. The company received 291 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: 61.6/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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 41 states, with the most complaints from Florida (97 complaints).
What can I do if Opportunity 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 Opportunity 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 |