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

Data updated July 2026

D

Grade D · 56.3/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Oracle Financial Group LLC. ranks ahead of 29% of the 5,283 collectors PlainCollector grades - 71% keep a cleaner CFPB record, on 177 all-time complaints and a 93% timely-response rate.

29th pct
reputation rank of 5,283 graded collectors
177
CFPB complaints, all-time
93%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

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 falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Taking/threatening an illegal action", narrowing to "Threatened arrest/jail if do not pay". The company posts a 93% timely-response rate against a 22% consumer-dispute-after-response rate.

Complaints have been recorded across 38 states, led by Texas with 33 and Florida with 21. Normalized against the full CFPB collector database, the reputation score of 56.3/100 places Oracle Financial Group LLC. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

177

mid-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

38

multi-region footprint

Timely response rate

93%

good band

Consumer disputes

22%

elevated (vertical avg ~19%)

Reputation grade

D

56.3/100 composite

How does Oracle Financial Group LLC.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

56 29th percentile higher than 29% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Oracle Financial Group LLC. versus the debt-collection vertical average.

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) 22.2%
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?

How does Oracle Financial Group LLC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Oracle Financial Group… 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.

Complaint Trend (24 months)

2018-08 2025-01

Issue Detail Breakdown

Issue Sub-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

What to do if Oracle Financial Group LLC. contacts you

A grade of D signals how Oracle Financial Group LLC.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Oracle Financial Group LLC. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Oracle Financial Group LLC. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Oracle Financial Group LLC.'s reputation grade? ▼

Oracle Financial Group LLC. has a reputation grade of D (score: 56.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.