Debt collector · complaint record
Opportunity Financial complaints
Filed under Opportunity Financial, LLC
Consumers have filed 2,192 complaints about Opportunity Financial since 2014, 778 of them in the last 12 months (+24% on the year before). It answered 100% on time and closed 1% with relief for the customer - less often than a typical debt collector. The most common problem is incorrect information on your report.
Average response record. How it works
- Complaints on record
- 2,192
- Last 12 months
- 778
- Answered on time
- 100%
- Closed with relief
- 1%
- Last 30 days
- 17
- Rank
- #59 of 1,963
Since July 2014
+24% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 9, 2026
Most complained-about debt collectors
Opportunity Financial complaints by month
The busiest month was December 2025 (95 complaints). Complaints in the last 12 months are up 24% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Opportunity Financial answered last 12 months
- Closed with monetary relief10.1%
- Closed with non-monetary relief50.6%
- Closed with explanation77299.2%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers1/400.8% closed with relief
- Complaint trend8/15+24% vs last year
What Opportunity Financial complaints are about
Top Opportunity Financial problems last 12 months
Inside "Incorrect information on your report"
- Account information incorrect 217
- Information belongs to someone else 174
- Account status incorrect 146
- Old information reappears or never goes away 15
- Personal information incorrect 10
- Information is missing that should be on the report 8
Where Opportunity Financial complaints come from
Most complaints: Florida (351), Texas (233), Illinois (154), Virginia (144), California (139).
Opportunity Financial compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Credit Systems InternationalDebt collection | 52 | 877 | C |
| 2 | TekCollectDebt collection | 55 | 872 | C |
| 3 | SezzleDebt collection | 45 | 845 | D |
| 4 | AcimaDebt collection | 67 | 820 | B |
| 5 | Bull City Financial SolutionsDebt collection | 51 | 810 | C |
| 6 | Opportunity FinancialDebt collection | 54 | 778 | C |
| 7 | Monterey Financial ServicesDebt collection | 52 | 774 | C |
| 8 | Debt Recovery SolutionsDebt collection | 48 | 728 | D |
Compare side by side: Opportunity Financial vs Credit Systems International · Opportunity Financial vs TekCollect · Opportunity Financial vs Sezzle · Opportunity Financial vs Acima
What people say about Opportunity Financial
All experiencesNo experiences with Opportunity Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Opportunity Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 9, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 6, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Nov 5, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
| Nov 3, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Oct 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 29, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
| Oct 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Oct 22, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 21, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 21, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 21, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Oct 20, 2026 | Payday & personal loans | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
Questions about Opportunity Financial
How many complaints does Opportunity Financial have?
Opportunity Financial has 2,192 complaints on record since July 2014, including 778 in the last 12 months and 17 in the last 30 days. That makes it number 151 of every company by complaints this year.
Does Opportunity Financial respond to complaints?
Yes. Opportunity Financial answered 100% of its complaints on time (within 15 days) and closed 1% with relief - money back or a fix; 0.1% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 54/100 (grade C).
What do people complain about most with Opportunity Financial?
The most common problems are incorrect information on your report (576), took or threatened to take negative or legal action (213), attempts to collect debt not owed (218).
Is Opportunity Financial legit?
Opportunity Financial is a real company with a public complaint record: consumers have complained about it 2,192 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Opportunity Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about Opportunity Financial going up or down?
Up. There were 778 complaints in the last 12 months against 629 in the 12 before (+24%). See every month.
How do I file a complaint against Opportunity Financial?
Complain to Opportunity Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Opportunity Financial complaints come from?
Most come from Florida (351), Texas (233), Illinois (154). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about Opportunity Financial
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