What is the most common complaint against Optima Recovery Services LLC.?

The most common issue consumers report about Optima Recovery Services LLC. is "Written notification about debt", specifically "Debt is not mine". This is based on 49 complaints filed with the CFPB.

Are complaints against Optima Recovery Services LLC. increasing or decreasing?

Complaints against Optima Recovery Services LLC. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Optima Recovery Services LLC.'s reputation grade?

Optima Recovery Services LLC. has a reputation grade of C (score: 60.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Optima Recovery Services LLC. respond to consumer complaints?

Optima Recovery Services LLC. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 15% of cases.

In how many states does Optima Recovery Services LLC. operate?

Optima Recovery Services LLC. has received CFPB complaints from consumers in 13 states, with the most complaints from Tennessee (28 complaints).

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

Optima Recovery Services LLC. - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade C.

Compiled by PlainCollector

Written notification about debt

11
Attempts to collect debt not owed

10
Disclosure verification of debt

10
Cont'd attempts collect debt not owed

8
Communication tactics

4
Took or threatened to take negative or legal action

3

Data updated September 2026

CFPB complaint disposition

CCDB record optima-recovery-services-llc Optima Recovery Services LLC.

Grade C · 49 CFPB filings · 98% timely · lead issue: Written notification about debt · vol #1211 · compose #2272

VOL 49
GRADE C
12MO 0
STATES 13
TIMELY 98%
DISPUTE 15%
ISSUE Written notification about…
RANK #1,211
COMPOSE #2,272

Volume peers

Nearest volume peer: Account Recovery Specialists, Inc. (49 complaints)

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

Optima Recovery Services LLC.'s 49 CFPB complaints sit next to Account Recovery Specialists, 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 →

State-heavy filing map

57.1% of Optima Recovery Services LLC.'s CFPB filings land in Tennessee

High volume does not equal a clean composite: Optima Recovery Services LLC. is volume #1,211 but composite #2,272, while Tennessee dominates the geography. Corpus placement method.

Dominant state: Tennessee 57.1%; 28 of 49 filings · 13 states touched
Spike month: 2014-05 21.3%; 10 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #1,211 volume; #2,272 composite; Cleanest-composite ladder is 1,061 places worse than volume

How does Optima Recovery Services LLC. compare to its peers?

How does Optima Recovery Services 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

Optima Recovery Servic… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

98%

100%

91%

Consumer-dispute ratelower is better

15%

25%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2013-09 2021-01

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	11
Attempts to collect debt not owed	10
Disclosure verification of debt	10
Cont'd attempts collect debt not owed	8
Communication tactics	4
Took or threatened to take negative or legal action	3
False statements or representation	1
Threatened to contact someone or share information improperly	1
Improper contact or sharing of info	1

Where do complaints against Optima Recovery Services LLC. come from?

Optima Recovery Services LLC.'s own per-state count, not a national baseline.

Tennessee

28
Georgia

3
Missouri

3
Texas

3
Florida

2
Ohio

2
Alabama

1
Hawaii

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Optima Recovery Services 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: 49.

4 peers

Know your rights before responding to Optima Recovery Services 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.