Total CFPB complaints
9
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 9 complaints
Overland Bond & Investment Corporation — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Overland Bond & Investment Corporation
- Attempts to collect debt not owed
Attempts to collect debt not owed
5 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
- False statements or representation 1
False statements or representation
1 complaints
C
Grade C · 59.2/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Overland Bond & Investment Corporation?
Overland Bond & Investment Corporation has accumulated 9 total CFPB complaints across 3 states, with 4 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 44.4% 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 44% timely-response rate against a 0% 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 3 states, led by Illinois with 7 and Georgia with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.2/100 places Overland Bond & Investment Corporation in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
4
44.4% of total history
Rising ↑
States active
3
Distinct state filings
Timely response rate
44%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
C
59.2/100 composite
Response-quality profile
How Overland Bond & Investment Corporation performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 44.4%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Overland Bond & Investment Corporation compare to its peers?
Overland Bond & Invest… 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)
2016-05 2025-12
Top Consumer Issues
Attempts to collect debt not owed5 (%)
Took or threatened to take negative or legal action2 (%)
Taking/threatening an illegal action1 (%)
False statements or representation1 (%)
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 | 4 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
Where do complaints against Overland Bond & Investment Corporation come from?
The states where consumers have filed the most CFPB complaints against Overland Bond & Investment Corporation. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Overland Bond & Investment Corporation
Across 3 states with at least one filing
- Illinois
Illinois
7 complaints
- Georgia 1
Georgia
1 complaints
- Missouri 1
Missouri
1 complaints
Frequently Asked Questions
What is the most common complaint against Overland Bond & Investment Corporation? ▼
The most common issue consumers report about Overland Bond & Investment Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 9 complaints filed with the CFPB.
Are complaints against Overland Bond & Investment Corporation increasing or decreasing? ▼
Complaints against Overland Bond & Investment Corporation are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Overland Bond & Investment Corporation's reputation grade? ▼
Overland Bond & Investment Corporation has a reputation grade of C (score: 59.2/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Overland Bond & Investment Corporation respond to consumer complaints? ▼
Overland Bond & Investment Corporation has a 44% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.
In how many states does Overland Bond & Investment Corporation operate? ▼
Overland Bond & Investment Corporation has received CFPB complaints from consumers in 3 states, with the most complaints from Illinois (7 complaints).
What can I do if Overland Bond & Investment Corporation 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 Overland Bond & Investment Corporation 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 |