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

CFPB complaint data Grade D 667 complaints

Optio Solutions, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 41 states, reputation grade D.

Complaints by issue type

What consumers report about Optio Solutions, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #180

  • VOL 667
  • GRADE D
  • 12MO 348
  • STATES 41
  • TIMELY 99%
  • DISPUTE 19%
  • ISSUE Attempts to collect debt n…
  • RANK #211
  • COMPOSE #180

Volume peers

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

Grant & WeberGrant & Weber660Optio Solutions, LLC (this)Optio Solutions, LLC (this)667Shellpoint Partners, LLCShellpoint Partners, LLC668Diverse Funding Associates LLCDiverse Funding Associates L…674Southern Management Systems Inc.Southern Management Systems …675
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 →

How the 667 complaints break down

Every complaint issue type on record for Optio Solutions, LLC, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.3/100
Optio Solutions, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
667
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
19%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Filing geometry

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

Figures below come from this collector's company_states / company_monthly rows and corpus RankMaps. 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
Corpus ranks
#211 volume
#180 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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%
99%
91%
Consumer-dispute ratelower is better
19%
24%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Optio Solutions, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 97.5%98%98.5%99%99.5%100%100.5% 0%10%20%30%40%50% Timely response rate (%) Dispute rate (%) Optio Solutions, LLC vs. 10 similar-volume peers, by response speed and dispute rate Optio Solutions, LLCShellpoint Partners, LLCGrant & WeberDiverse Funding Associates LLCSouthern Management Systems Inc.STERLING JEWELERS, INC.Consumer Portfolio Services, Inc.NISSAN MOTOR ACCEPTANCE COMPANY LLCReliant Capital Solutions, LLCFIFTH THIRD FINANCIAL CORPORATIONSynerprise Consulting Services, Inc.
Source: CFPB Consumer Complaint Database

Optio Solutions, LLC's complaint volume in context

Optio Solutions, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

667 Top 4% higher than 96% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. Optio Solutions, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
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.

Top states by complaints against Optio Solutions, LLC

Across 41 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.