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

CFPB complaint data Grade C 588 complaints

Opportunity Financial, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 40 states, reputation grade C.

Complaints by issue type

What consumers report about Opportunity Financial, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 61.6/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Opportunity Financial, LLC ranks ahead of 48% of the 5,283 collectors PlainCollector grades - 52% keep a cleaner CFPB record, on 588 all-time complaints and a 99% timely-response rate.

48th pct
reputation rank of 5,283 graded collectors
588
CFPB complaints, all-time
99%
answered inside the CFPB window
338
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Opportunity Financial, LLC?

Opportunity Financial, LLC has accumulated 588 total CFPB complaints across 40 states, with 338 filed in the most recent 12 months against 250 historical complaints before that window. The trailing-12-month volume represents 57.5% 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 "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 99% timely-response rate against a 0% consumer-dispute-after-response rate.

Complaints have been recorded across 40 states, led by Florida with 106 and Texas with 72. Normalized against the full CFPB collector database, the reputation score of 61.6/100 places Opportunity Financial, LLC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

588

mid-volume (CCDB)

Last 12 months

338

57.5% of all-time complaints

Rising ↑

States active

40

multi-region footprint

Timely response rate

99%

excellent band

Consumer disputes

0%

low (vertical avg ~19%)

Reputation grade

C

61.6/100 composite

How does Opportunity Financial, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

62 48th percentile higher than 48% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Opportunity Financial, LLC versus the debt-collection vertical average.

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 71.4%

Share of US states + territories with at least one filed complaint against this collector.

How does Opportunity Financial, LLC compare to its peers?

How does Opportunity Financial, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Opportunity Financial,… National average
Complaints (last 12 mo)lower is better
338
5
268
Timely-response ratehigher is better
99%
88%
91%
Consumer-dispute ratelower is better
0%
22%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Opportunity Financial, LLC

Across 40 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Opportunity Financial, LLC contacts you

A grade of C signals how Opportunity Financial, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Opportunity Financial, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Opportunity Financial, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

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: 61.6/100), 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).

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

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.