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

CFPB complaint data Grade D 177 complaints

Oracle Financial Group LLC. - Debt Collector Complaint Profile

CFPB complaint profile across 38 states, reputation grade D.

Complaints by issue type

What consumers report about Oracle Financial Group LLC.

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

Data updated September 2026

CFPB complaint disposition

CCDB record oracle-financial-group-llc Oracle Financial Group LLC.

Grade D · 177 CFPB filings · 93% timely · lead issue: Taking/threatening an illegal action

  • VOL 177
  • GRADE D
  • 12MO 0
  • STATES 38
  • TIMELY 93%
  • DISPUTE 22%
  • ISSUE Taking/threatening an ille…
  • RANK #601
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Suntrust Banks, Inc. (177 complaints)

Suntrust Banks, Inc.Suntrust Banks, Inc.177Oracle Financial Group LLC. (this)Oracle Financial Group LLC. …177Fresno Credit BureauFresno Credit Bureau178Harpeth Financial Services, LLCHarpeth Financial Services, …178Investment Retrievers, Inc.Investment Retrievers, Inc.178
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Oracle Financial Group LLC.'s 177 CFPB complaints sit next to Suntrust Banks, Inc. 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 177 complaints break down

Every complaint issue type on record for Oracle Financial Group LLC., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
53.0/100
Oracle Financial Group 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
177
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
93%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
22%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

Spiky monthly series

Texas is the plurality state for Oracle Financial Group LLC. (18.6%)

Peak share is this collector's company_monthly maximum divided by its own stored monthly total. Corpus placement method.

Plurality state
Texas 18.6%
Mid-band (15–30%) · 38 states with ≥1 filing
Spike month
2019-02 15.2%
15 filings that month · spiky (≥15% of series)
Corpus ranks
#601 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Oracle Financial Group LLC. compare to its peers?

How does Oracle Financial Group 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
Oracle Financial Group LLC. National average
Complaints (last 12 mo)lower is better
0
0
268
Timely-response ratehigher is better
93%
99%
91%
Consumer-dispute ratelower is better
22%
22%
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 Oracle Financial Group LLC. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 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 80%85%90%95%100%105% 10%15%20%25%30% Timely response rate (%) Dispute rate (%) Oracle Financial Group LLC. vs. 9 similar-volume peers, by response speed and dispute rate Oracle Financial Group LLC.SUNTRUST BANKS, INC.Investment Retrievers, Inc.Harpeth Financial Services, LLCOliver Adjustment Co.FRESNO CREDIT BUREAUThunderbird Collection Specialists, Inc.Solomon and Solomon, P.C.RMS-Recovery Management Services, Inc.States Recovery Systems, Inc.
Source: CFPB Consumer Complaint Database

Oracle Financial Group LLC.'s complaint volume in context

Oracle Financial Group 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)

177 Top 11% higher than 89% 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%). This entry sits in this band. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Oracle Financial Group 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)

Falling ↓
2018-08 2025-01

Issue Detail Breakdown

Issue Complaints
Taking/threatening an illegal action
42
Communication tactics
39
False statements or representation
31
Cont'd attempts collect debt not owed
20
Took or threatened to take negative or legal action
17
Improper contact or sharing of info
16
Disclosure verification of debt
5
Threatened to contact someone or share information improperly
3
Attempts to collect debt not owed
2
Written notification about debt
2

Where do complaints against Oracle Financial Group LLC. come from?

Oracle Financial Group LLC.'s own per-state count, not a national baseline.

Top states by complaints against Oracle Financial Group LLC.

Across 38 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 Oracle Financial Group 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: 177.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 93.22033898305084%.

4 peers

Know your rights before responding to Oracle Financial Group 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.