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

CFPB complaint data Grade B 22 complaints

Umpqua Holdings Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 10 states, reputation grade B.

Complaints by issue type

What consumers report about Umpqua Holdings Corporation

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

Data updated September 2026

CFPB complaint disposition

CCDB record umpqua-holdings-corporation Umpqua Holdings Corporation

Grade B · 22 CFPB filings · 100% timely · lead issue: False statements or representation

  • VOL 22
  • GRADE B
  • 12MO 0
  • STATES 10
  • TIMELY 100%
  • DISPUTE 25%
  • ISSUE False statements or repres…
  • RANK #1,825
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Abrahamsen Ratchford, P.C (22 complaints)

Abrahamsen Ratchford, P.CAbrahamsen Ratchford, P.C22Alliance Collection ServiceAlliance Collection Service22Apple Recovery, LLCApple Recovery, LLC22Asset Maximization Group, Inc.Asset Maximization Group, In…22Umpqua Holdings Corporation (this)Umpqua Holdings Corporation …22
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Umpqua Holdings Corporation's 22 CFPB complaints sit next to Abrahamsen Ratchford, P.C 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 22 complaints break down

Every complaint issue type on record for Umpqua Holdings Corporation, not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
63.1/100
Umpqua Holdings Corporation

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 D
22
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
100%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
25%
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

California is the plurality state for Umpqua Holdings Corporation (27.3%)

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

Plurality state
California 27.3%
Mid-band (15–30%) · 10 states with ≥1 filing
Spike month
2026-01 18.8%
16 filings that month · spiky (≥15% of series)
Corpus ranks
#1,825 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Umpqua Holdings Corporation compare to its peers?

How does UMPQUA HOLDINGS CORPORATION compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
UMPQUA HOLDINGS CORPORATION National average
Complaints (last 12 mo)lower is better
0
7
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
25%
0%
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 Umpqua Holdings Corporation a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 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 20%40%60%80%100%120% 0%10%20%30% Timely response rate (%) Dispute rate (%) Umpqua Holdings Corporation vs. 6 similar-volume peers, by response speed and dispute rate Umpqua Holdings CorporationUMB FINANCIAL CORPORATIONUtah System of Higher EducationVeriCore, LLCSummit Financial Corp.Wilson, Riley & AssociatesSonnenschein Financial Services, Inc.
Source: CFPB Consumer Complaint Database

Umpqua Holdings Corporation's complaint volume in context

Umpqua Holdings Corporation 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)

22 66th percentile higher than 66% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). This entry sits in this band. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Umpqua Holdings Corporation 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 ↓
2017-10 2026-03

Issue Detail Breakdown

Issue Complaints
False statements or representation
6
Attempts to collect debt not owed
4
Written notification about debt
4
Took or threatened to take negative or legal action
2
Communication tactics
2
Cont'd attempts collect debt not owed
2
Disclosure verification of debt
1
Threatened to contact someone or share information improperly
1

Where do complaints against Umpqua Holdings Corporation come from?

Umpqua Holdings Corporation's own per-state count, not a national baseline.

Top states by complaints against Umpqua Holdings Corporation

Across 10 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 Umpqua Holdings Corporation: 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: 22.

4 peers

Know your rights before responding to Umpqua Holdings Corporation: 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.