CFPB · Mid-pack CFPB posture
Optima Advocates
21 CFPB complaints · 15 states · top issue Dealing with your lender or servicer.
Optima Advocates has 21 consumer complaints in the CFPB public database. Timely response is 4.8%; 9.5% closed with relief; top product Student loan. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- +25% filings 2017 to 2021
CFPB relief outcome brief
CCDB company optima-advocates
9.5% relief · 4.8% timely · 21 filings · Student loan
Same-product relief peers
Nearest relief peer: Vermont Student Assistance Corporation (9.6% relief)
Optima Advocates closes 9.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Optima Advocates scores strongest on relief provided (44/100 percentile-benchmarked) and weakest on timely response (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
44 / 100 percentile-benchmarked
9.5% of complaints closed with relief to the consumer
Timely response
0 / 100 percentile-benchmarked
4.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
0 / 100 percentile-benchmarked
23.8% of complaints closed with an explanation to the consumer
How 21 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Optima Advocates complaint mix by product
- Student loan 11 52.4% – 9% relief
- Money transfer, 9 42.9% – 11% relief
- Debt collection 1 4.8% – 0% relief
How Optima Advocates's 21 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Student loan | 11 |
| Money transfer, virtual currency, or money service | 9 |
| Debt collection | 1 |
Where Optima Advocates complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- WA
- 9.5% of this company's filings
Optima Advocates rising annual filings
Annual filing volume from the CFPB public database
- 2021
- 5
- +25% vs 2017
Top States
| State | Complaints |
|---|---|
| WA | 2 |
| IL | 2 |
| OR | 2 |
| PR | 1 |
| CA | 1 |
| RI | 1 |
| KY | 1 |
| DE | 1 |
| NJ | 1 |
| LA | 1 |
| CO | 1 |
| OH | 1 |
| ME | 1 |
| WI | 1 |
| MI | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Dealing with your lender or servicer | 10 |
| Fraud or scam | 9 |
| Can't repay my loan | 1 |
| False statements or representation | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 4 | 0% |
| 2018 | 4 | 25% |
| 2019 | 3 | 0% |
| 2020 | 5 | 0% |
| 2021 | 5 | 0% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Optima Advocates
Optima Advocates's 21 logged complaints stay concentrated: only 15 states show a filing. Only 23.8% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2017 through 2021-04-07.
Optima Advocates answers 4.8% of complaints inside the CFPB's tracked window and closes 23.8% with a written explanation. 9.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Student loan" draws the most filings, most often for "Dealing with your lender or servicer."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Optima Advocates.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Optima Advocates: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 21.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 4.8%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Optima Advocates (4.8% timely; 9.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture