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

CFPB complaint data Grade C 49 complaints

Optima Recovery Services LLC. - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade C.

Complaints by issue type

What consumers report about Optima Recovery Services LLC.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 64.3/100 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: Optima Recovery Services LLC. ranks ahead of 57% of the 5,283 collectors PlainCollector grades - 43% keep a cleaner CFPB record, on 49 all-time complaints and a 98% timely-response rate.

57th pct
reputation rank of 5,283 graded collectors
49
CFPB complaints, all-time
98%
answered inside the CFPB window
0
in the last 12 months (falling)

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 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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Written notification about debt", narrowing to "Debt is not mine". The company posts a 98% timely-response rate against a 15% consumer-dispute-after-response rate.

Complaints have been recorded across 13 states, led by Tennessee with 28 and Georgia with 3. Normalized against the full CFPB collector database, the reputation score of 64.3/100 places Optima Recovery Services LLC. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

49

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

13

regional footprint

Timely response rate

98%

excellent band

Consumer disputes

15%

average (vertical avg ~19%)

Reputation grade

C

64.3/100 composite

How does Optima Recovery Services LLC.'s reputation rank nationally?

Reputation score vs. every graded collector

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

64 57th percentile higher than 57% 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

Optima Recovery Services LLC. versus the debt-collection vertical average.

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) 15.0%
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?

How does Optima Recovery Services LLC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Optima Recovery Servic… National average
Complaints (last 12 mo)lower is better
0
5
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 Sub-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.

Top states by complaints against Optima Recovery Services LLC.

Across 13 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Optima Recovery Services LLC. contacts you

A grade of C signals how Optima Recovery Services 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 Optima Recovery Services 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 Optima Recovery Services 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 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: 64.3/100), 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).

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.