What is the most common complaint against Optio Solutions, LLC?

The most common issue consumers report about Optio Solutions, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 667 complaints filed with the CFPB.

Are complaints against Optio Solutions, LLC increasing or decreasing?

Complaints against Optio Solutions, LLC are rising. The company received 348 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Optio Solutions, LLC's reputation grade?

Optio Solutions, LLC has a reputation grade of D (score: 54.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Optio Solutions, LLC respond to consumer complaints?

Optio Solutions, LLC has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 19% of cases.

In how many states does Optio Solutions, LLC operate?

Optio Solutions, LLC has received CFPB complaints from consumers in 41 states, with the most complaints from Texas (149 complaints).

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

Optio Solutions, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 41 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

249
Written notification about debt

122
False statements or representation

105
Took or threatened to take negative or legal action

93
Communication tactics

52
Cont'd attempts collect debt not owed

13

Data updated September 2026

CFPB complaint disposition

CCDB record optio-solutions-llc Optio Solutions, LLC

Grade D · 667 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #211 · compose #3496

VOL 667
GRADE D
12MO 348
STATES 41
TIMELY 99%
DISPUTE 19%
ISSUE Attempts to collect debt n…
RANK #211
COMPOSE #3,496

Volume peers

Nearest volume peer: Shellpoint Partners, LLC (668 complaints)

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

Optio Solutions, LLC's 667 CFPB complaints sit next to Shellpoint Partners, LLC 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 →

Filing geometry

Texas is the plurality state for Optio Solutions, LLC (22.3%)

Volume rank #211 and composite rank #3,496 diverge by 3,285 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 22.3%; Mid-band (15–30%) · 41 states with ≥1 filing
Seasonal peak: 2025-12 9.9%; 8–15% band · 33 filings
Divergent corpus ranks: #211 volume; #3,496 composite; Cleanest-composite ladder is 3,285 places worse than volume

How does Optio Solutions, LLC compare to its peers?

How does Optio Solutions, 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

Optio Solutions, LLC National average

Complaints (last 12 mo)lower is better

348

130

268

Timely-response ratehigher is better

99%

91%

Consumer-dispute ratelower is better

19%

24%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	249
Written notification about debt	122
False statements or representation	105
Took or threatened to take negative or legal action	93
Communication tactics	52
Cont'd attempts collect debt not owed	13
Improper contact or sharing of info	9
Disclosure verification of debt	7
Threatened to contact someone or share information improperly	7
Electronic communications	7

Where do complaints against Optio Solutions, LLC come from?

Optio Solutions, LLC's own per-state count, not a national baseline.

Texas

149
Florida

85
California

70
Georgia

51
Arizona

35
Illinois

22
North Carolina

21
Washington

21

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Optio Solutions, 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: 667.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.08592321755027%.

4 peers

Know your rights before responding to Optio Solutions, 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.