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Data / Consumer complaints / Opportunity Financial, LLC / Debt collection

Opportunity Financial, LLC: 584 CFPB complaints about debt collection, last 3 years

Opportunity Financial, LLC drew 584 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 33.1% of its 1,765 complaints in that time. The most common issue was “Took or threatened to take negative or legal action”. The company responded on time to 100.0% of them, and 0.5% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

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  • 584Complaints, last 3 years
  • 33.1%Share of the company's complaints
  • 100.0%Responded on time
  • 0.5%Closed with relief
  • Oct 30, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 202631654.1%
12 months to Nov 6, 202520535.1%
12 months to Nov 6, 20246310.8%

Issues

IssueComplaintsShare
Took or threatened to take negative or legal action20835.6%
Attempts to collect debt not owed17730.3%
False statements or representation9917%
Written notification about debt7713.2%
Electronic communications122.1%
Communication tactics111.9%

How the company responded

Company responseComplaintsShare
Closed with explanation58199.5%
Closed with non-monetary relief30.5%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Florida9816.8%
Texas8414.4%
California396.7%
South Carolina335.7%
Arizona325.5%
North Carolina284.8%
Virginia274.6%
Michigan264.5%
Tennessee223.8%
Indiana213.6%
Ohio162.7%
Nevada152.6%
Illinois142.4%
Alabama111.9%
Arkansas101.7%
Washington91.5%
Georgia81.4%
Minnesota81.4%
Missouri81.4%
Louisiana71.2%
Oklahoma71.2%
Kentucky61%
Mississippi61%
New Jersey61%
Pennsylvania61%

Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 30, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 25, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 21, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
October 20, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 19, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 18, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 4, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 1, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 24, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 21, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 20, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 20, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 16, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 10, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 10, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 7, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 6, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.