Total CFPB complaints
177
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 177 complaints
Oracle Financial Group LLC. — Debt Collector Complaint Profile
CFPB complaint profile across 38 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Oracle Financial Group LLC.
- Taking/threatening an illegal action
Taking/threatening an illegal action
38 complaints
- Communication tactics
Communication tactics
31 complaints
- False statements or representation
False statements or representation
26 complaints
- Cont'd attempts collect debt not owed 15
Cont'd attempts collect debt not owed
15 complaints
- Improper contact or sharing of info 11
Improper contact or sharing of info
11 complaints
- Took or threatened to take negative or legal action 8
Took or threatened to take negative or legal action
8 complaints
D
Grade D · 56.3/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Oracle Financial Group LLC.?
Oracle Financial Group LLC. has accumulated 177 total CFPB complaints across 38 states, with 0 filed in the most recent 12 months against 177 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 93% timely-response rate against a 22% 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 38 states, led by Texas with 33 and Florida with 21, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.3/100 places Oracle Financial Group 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
0
0.0% of total history
Stable →
States active
38
Distinct state filings
Timely response rate
93%
Within CFPB SLA window
Consumer disputes
22%
After company response
Reputation grade
D
56.3/100 composite
Response-quality profile
How Oracle Financial Group LLC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 93.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 44.4%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 67.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Oracle Financial Group LLC. compare to its peers?
Oracle Financial Group… 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)
2016-12 2019-10
Top Consumer Issues
Taking/threatening an illegal action38 (%)
Communication tactics31 (%)
Cont'd attempts collect debt not owed15 (%)
Improper contact or sharing of info11 (%)
False statements or representation26 (%)
Took or threatened to take negative or legal action8 (%)
Most common issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
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 |
|---|---|---|
| Taking/threatening an illegal action | Threatened arrest/jail if do not pay | 28 |
| Communication tactics | Threatened to take legal action | 17 |
| Cont'd attempts collect debt not owed | Debt is not mine | 15 |
| Communication tactics | Frequent or repeated calls | 14 |
| Improper contact or sharing of info | Contacted employer after asked not to | 11 |
| False statements or representation | Impersonated an attorney or official | 10 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 10 |
| False statements or representation | Indicated committed crime not paying | 9 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 8 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 7 |
Where do complaints against Oracle Financial Group LLC. come from?
The states where consumers have filed the most CFPB complaints against Oracle Financial Group LLC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Oracle Financial Group LLC.
Across 38 states with at least one filing
- Texas
Texas
33 complaints
- Florida
Florida
21 complaints
- California
California
18 complaints
- Ohio 11
Ohio
11 complaints
- Tennessee 10
Tennessee
10 complaints
- New Jersey 6
New Jersey
6 complaints
- Missouri 6
Missouri
6 complaints
- Pennsylvania 6
Pennsylvania
6 complaints
Frequently Asked Questions
What is the most common complaint against Oracle Financial Group LLC.? ▼
The most common issue consumers report about Oracle Financial Group LLC. is "Taking/threatening an illegal action", specifically "Threatened arrest/jail if do not pay". This is based on 177 complaints filed with the CFPB.
Are complaints against Oracle Financial Group LLC. increasing or decreasing? ▼
Complaints against Oracle Financial Group LLC. have been stable. The company received 0 complaints in the last 12 months.
What is Oracle Financial Group LLC.'s reputation grade? ▼
Oracle Financial Group LLC. has a reputation grade of D (score: 56.3/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Oracle Financial Group LLC. respond to consumer complaints? ▼
Oracle Financial Group LLC. has a 93% timely response rate to CFPB complaints. Consumers disputed the company's response in 22% of cases.
In how many states does Oracle Financial Group LLC. operate? ▼
Oracle Financial Group LLC. has received CFPB complaints from consumers in 38 states, with the most complaints from Texas (33 complaints).
What can I do if Oracle Financial Group 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 Oracle Financial Group 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 |