Total CFPB complaints
49
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 49 complaints
Optima Recovery Services LLC. — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Optima Recovery Services LLC.
- Written notification about debt
Written notification about debt
11 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
10 complaints
- Disclosure verification of debt
Disclosure verification of debt
9 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
8 complaints
- Took or threatened to take negative or legal action 3
Took or threatened to take negative or legal action
3 complaints
C
Grade C · 64.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Optima Recovery Services LLC.?
Optima Recovery Services LLC. has accumulated 49 total CFPB complaints across 13 states, with 0 filed in the most recent 12 months against 49 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 15% 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 13 states, led by Tennessee with 28 and Missouri with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 64.3/100 places Optima Recovery Services 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
0
0.0% of total history
Stable →
States active
13
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
15%
After company response
Reputation grade
C
64.3/100 composite
Response-quality profile
How Optima Recovery Services LLC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 30.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does Optima Recovery Services LLC. compare to its peers?
Optima Recovery Servic… 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)
2017-01 2022-01
Top Consumer Issues
Cont'd attempts collect debt not owed8 (%)
Disclosure verification of debt9 (%)
Written notification about debt11 (%)
Attempts to collect debt not owed10 (%)
Took or threatened to take negative or legal action3 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| Disclosure verification of debt | Not given enough info to verify debt | 6 |
| Written notification about debt | Didn't receive enough information to verify debt | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Attempts to collect debt not owed | Debt was paid | 4 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Disclosure verification of debt | Right to dispute notice not received | 3 |
| Cont'd attempts collect debt not owed | Debt was paid | 2 |
| Attempts to collect debt not owed | Debt was result of identity theft | 2 |
Where do complaints against Optima Recovery Services LLC. come from?
The states where consumers have filed the most CFPB complaints against Optima Recovery Services LLC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Optima Recovery Services LLC.
Across 13 states with at least one filing
- Tennessee
Tennessee
28 complaints
- Missouri 3
Missouri
3 complaints
- Georgia 3
Georgia
3 complaints
- Texas 3
Texas
3 complaints
- Florida 2
Florida
2 complaints
- Ohio 2
Ohio
2 complaints
- Kentucky 1
Kentucky
1 complaints
- Hawaii 1
Hawaii
1 complaints
Frequently Asked Questions
What is the most common complaint against Optima Recovery Services LLC.? ▼
The most common issue consumers report about Optima Recovery Services LLC. is "Cont'd attempts collect debt not owed", 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. have been stable. The company received 0 complaints in the last 12 months.
What is Optima Recovery Services LLC.'s reputation grade? ▼
Optima Recovery Services LLC. has a reputation grade of C (score: 64.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
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).
What can I do if Optima Recovery Services 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 Optima Recovery Services 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 |