Total CFPB complaints
547
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 547 complaints
Optio Solutions, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 39 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Optio Solutions, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
205 complaints
- Written notification about debt
Written notification about debt
102 complaints
- False statements or representation 65
False statements or representation
65 complaints
- Took or threatened to take negative or legal action 59
Took or threatened to take negative or legal action
59 complaints
- Communication tactics 30
Communication tactics
30 complaints
- Cont'd attempts collect debt not owed 10
Cont'd attempts collect debt not owed
10 complaints
D
Grade D · 56.7/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Optio Solutions, LLC?
Optio Solutions, LLC has accumulated 547 total CFPB complaints across 39 states, with 294 filed in the most recent 12 months against 253 historical complaints before that window. The trailing-12-month volume represents 53.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 19% 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 39 states, led by Texas with 115 and Florida with 70, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.7/100 places Optio Solutions, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
294
53.7% of total history
Rising ↑
States active
39
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
19%
After company response
Reputation grade
D
56.7/100 composite
Response-quality profile
How Optio Solutions, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 38.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 69.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Optio Solutions, LLC compare to its peers?
Optio Solutions, LLC 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed205 (%)
Written notification about debt102 (%)
False statements or representation65 (%)
Took or threatened to take negative or legal action59 (%)
Communication tactics30 (%)
Cont'd attempts collect debt not owed10 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 130 |
| Written notification about debt | Didn't receive enough information to verify debt | 77 |
| False statements or representation | Attempted to collect wrong amount | 65 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 59 |
| Attempts to collect debt not owed | Debt was result of identity theft | 46 |
| Attempts to collect debt not owed | Debt was paid | 29 |
| Written notification about debt | Didn't receive notice of right to dispute | 25 |
| Communication tactics | Frequent or repeated calls | 21 |
| Cont'd attempts collect debt not owed | Debt is not mine | 10 |
| Communication tactics | Used obscene, profane, or other abusive language | 9 |
Where do complaints against Optio Solutions, LLC come from?
The states where consumers have filed the most CFPB complaints against Optio Solutions, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Optio Solutions, LLC
Across 39 states with at least one filing
- Texas
Texas
115 complaints
- Florida
Florida
70 complaints
- California
California
67 complaints
- Georgia 40
Georgia
40 complaints
- Arizona 29
Arizona
29 complaints
- Illinois 19
Illinois
19 complaints
- North Carolina 15
North Carolina
15 complaints
- Washington 15
Washington
15 complaints
Frequently Asked Questions
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 547 complaints filed with the CFPB.
Are complaints against Optio Solutions, LLC increasing or decreasing? ▼
Complaints against Optio Solutions, LLC are rising. The company received 294 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: 56.7/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 39 states, with the most complaints from Texas (115 complaints).
What can I do if Optio Solutions, 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 Optio Solutions, 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 |