CFPB · Single-product concentration
Optimum Outcomes, Inc.
642 CFPB complaints · 92.1% in "Debt collection" · top issue Attempts to collect debt not owed.
Optimum Outcomes, Inc.: 92.1% of 642 CFPB complaints sit in "Debt collection". Timely 88.6% · relief 0%. Allegations, not findings.
- Single-product concentration
- 0% filings 2013 to 2026
CFPB relief outcome brief
CCDB company optimum-outcomes-inc
0% relief · 88.6% timely · 642 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Optimum Outcomes, Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Optimum Outcomes, Inc.'s 642 filings include narrative text
40.5% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Optimum Outcomes, Inc. complaint mix by product
- Debt collection 591 92.1% – 0% relief
- Credit reporting, 43 6.7% – 0% relief
- Credit reporting 8 1.2% – 0% relief
How Optimum Outcomes, Inc.'s 642 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 591 |
| Credit reporting, credit repair services, or other personal consumer reports | 43 |
| Credit reporting | 8 |
Where Optimum Outcomes, Inc. complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- NC
- 38.2% of this company's filings
Optimum Outcomes, Inc. complaints by year
Annual filing volume from the CFPB public database
- 2026
- 4
- 0% vs 2013
Top States
| State | Complaints |
|---|---|
| NC | 245 |
| GA | 119 |
| FL | 79 |
| WI | 36 |
| TX | 35 |
| CA | 14 |
| LA | 12 |
| SC | 11 |
| NY | 9 |
| NJ | 8 |
| TN | 7 |
| MD | 6 |
| IL | 6 |
| VA | 5 |
| PA | 5 |
| OH | 4 |
| UT | 3 |
| NM | 3 |
| AZ | 3 |
| AK | 3 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 150 |
| Cont'd attempts collect debt not owed | 140 |
| Written notification about debt | 94 |
| Disclosure verification of debt | 82 |
| Communication tactics | 70 |
| Incorrect information on your report | 27 |
| False statements or representation | 23 |
| Improper contact or sharing of info | 14 |
| Problem with a credit reporting company's investigation into an existing problem | 14 |
| Took or threatened to take negative or legal action | 10 |
| Incorrect information on credit report | 6 |
| Threatened to contact someone or share information improperly | 5 |
| Taking/threatening an illegal action | 3 |
| Credit reporting company's investigation | 2 |
| Improper use of your report | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 4 | 50% |
| 2014 | 54 | 88.9% |
| 2015 | 73 | 91.8% |
| 2016 | 108 | 49.1% |
| 2017 | 145 | 100% |
| 2018 | 111 | 99.1% |
| 2019 | 51 | 100% |
| 2020 | 34 | 100% |
| 2021 | 36 | 97.2% |
| 2022 | 14 | 100% |
| 2023 | 5 | 100% |
| 2024 | 1 | 100% |
| 2025 | 2 | 100% |
| 2026 | 4 | 50% |
Source: CFPB Consumer Complaint Database
Optimum Outcomes, Inc. filings cluster in one product
Optimum Outcomes, Inc.'s 642 logged complaints stay concentrated: only 36 states show a filing. 40.5% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2026-04-10.
Optimum Outcomes, Inc. answers 88.6% of complaints inside the CFPB's tracked window and closes 99.5% with a written explanation. 0% 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 "Attempts to collect debt not owed."
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 Optimum Outcomes, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Optimum Outcomes, Inc.: 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: 642.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 88.6%.
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 Optimum Outcomes, Inc. (88.6% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration