CFPB · Single-product concentration
Optima Recovery Services LLC.
57 CFPB complaints · 86% in "Debt collection" · top issue Written notification about debt.
Optima Recovery Services LLC.: 86% of 57 CFPB complaints sit in "Debt collection". Timely 96.5% · relief 50.9%. Allegations, not findings.
- Single-product concentration
- -50% filings 2013 to 2025
CFPB relief outcome brief
CCDB company optima-recovery-services-llc
50.9% relief · 96.5% timely · 57 filings · Debt collection
Same-product relief peers
Nearest relief peer: SKO Brenner American, Inc. (51.4% relief)
Optima Recovery Services LLC. closes 50.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Optima Recovery Services LLC. scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (3/100), 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
100 / 100 percentile-benchmarked
50.9% of complaints closed with relief to the consumer
Timely response
94 / 100 percentile-benchmarked
96.5% of complaints answered inside the CFPB 15-day window
Closed with explanation
3 / 100 percentile-benchmarked
47.4% of complaints closed with an explanation to the consumer
How 57 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 Recovery Services LLC. complaint mix by product
- Debt collection 49 86.0% – 49% relief
- Credit reporting, 7 12.3% – 71% relief
- Credit reporting 1 1.8% – 0% relief
How Optima Recovery Services LLC.'s 57 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 49 |
| Credit reporting, credit repair services, or other personal consumer reports | 7 |
| Credit reporting or other personal consumer reports | 1 |
Concentrated filing states for Optima Recovery Services LLC.
Top states by attributed CFPB complaint volume for this company
- Leading state
- TN
- 56.1% of this company's filings
Optima Recovery Services LLC. falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 1
- -50% vs 2013
Top States
| State | Complaints |
|---|---|
| TN | 32 |
| TX | 4 |
| MO | 3 |
| GA | 3 |
| FL | 2 |
| KS | 2 |
| OH | 2 |
| NY | 1 |
| IL | 1 |
| MD | 1 |
| HI | 1 |
| KY | 1 |
| AL | 1 |
| IN | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Written notification about debt | 11 |
| Disclosure verification of debt | 10 |
| Attempts to collect debt not owed | 10 |
| Cont'd attempts collect debt not owed | 8 |
| Incorrect information on your report | 6 |
| Communication tactics | 4 |
| Took or threatened to take negative or legal action | 3 |
| Credit monitoring or identity theft protection services | 1 |
| Improper contact or sharing of info | 1 |
| Threatened to contact someone or share information improperly | 1 |
| False statements or representation | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 2 | 100% |
| 2014 | 4 | 75% |
| 2015 | 4 | 100% |
| 2016 | 8 | 100% |
| 2017 | 11 | 100% |
| 2018 | 5 | 100% |
| 2019 | 2 | 100% |
| 2020 | 8 | 100% |
| 2021 | 11 | 100% |
| 2022 | 1 | 100% |
| 2025 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Optima Recovery Services LLC. filings cluster in one product
Optima Recovery Services LLC.'s 57 logged complaints stay concentrated: only 14 states show a filing. Only 33.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2013 through 2025-10-20.
Optima Recovery Services LLC. answers 96.5% of complaints inside the CFPB's tracked window and closes 47.4% with a written explanation. 50.9% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Written notification about debt."
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 Recovery Services LLC..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Optima Recovery Services LLC.: 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: 57.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 96.5%.
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 Recovery Services LLC. (96.5% timely; 50.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration