Loan servicer · complaint record
Optima Advocates complaints
Consumers have filed 21 complaints about Optima Advocates since 2017, none in the last 12 months. It answered 4.8% on time and closed 29% with relief for the customer. The most common problem is dealing with your lender or servicer.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 21
- Last 12 months
- 0
- Answered on time
- 4.8%
- Closed with relief
- 29%
- Last 30 days
- 0
- Rank
- -
Since April 2017
new vs the year before
Industry: 68.4%
Typical loan servicer: 2%
Newest: Apr 7, 2021
Optima Advocates complaints by month
The busiest month was March 2021 (3 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Optima Advocates answered all time
- Closed with monetary relief29.5%
- Closed with explanation523.8%
- Untimely response1466.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Optima Advocates complaints are about
Top Optima Advocates problems
Inside "Dealing with your lender or servicer"
- Received bad information about your loan 6
- Trouble with how payments are being handled 2
- Need information about your loan balance or loan terms 1
- Don't agree with the fees charged 1
Where Optima Advocates complaints come from
Most complaints: Illinois (2), Oregon (2), Washington (2), Wisconsin (1), Puerto Rico (1).
Optima Advocates compared with other student loan servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | EarnestStudent loans | 51 | 68 | C |
| 2 | College Ave Student Loan ServicingStudent loans | 55 | 67 | C |
| 3 | Meritize FinancialStudent loans | 0 | 47 | F |
| 4 | LendKey TechnologiesStudent loans | 85 | 42 | A |
| 5 | Iowa Student Loan LiquidityStudent loans | 51 | 36 | C |
| 6 | MPOWER Financing, Public BenefitStudent loans | 40 | 32 | D |
| 7 | Kentucky Higher Education Assistance AuthorityStudent loans | 49 | 32 | D |
| 8 | Optima AdvocatesStudent loans | - | 0 | - |
Compare side by side: Optima Advocates vs Earnest · Optima Advocates vs College Ave Student Loan Servicing · Optima Advocates vs Meritize Financial · Optima Advocates vs LendKey Technologies
What people say about Optima Advocates
All experiencesNo experiences with Optima Advocates yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Optima Advocates complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Apr 7, 2021 | Student loans | Dealing with your lender or servicerTrouble with how payments are being handled | No timely reply |
| Apr 7, 2021 | Debt relief & credit repair | Fraud or scam | No timely reply |
| Mar 8, 2021 | Debt relief & credit repair | Fraud or scam | No timely reply |
| Mar 4, 2021 | Debt relief & credit repair | Fraud or scam | No timely reply |
| Mar 2, 2021 | Debt relief & credit repair | Fraud or scam | No timely reply |
| Aug 24, 2020 | Debt relief & credit repair | Fraud or scam | No timely reply |
| Aug 19, 2020 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | No timely reply |
| Jul 10, 2020 | Debt relief & credit repair | Fraud or scam | No timely reply |
| Feb 19, 2020 | Student loans | Dealing with your lender or servicerReceived bad information about your loan | No timely reply |
| Feb 11, 2020 | Student loans | Dealing with your lender or servicerTrouble with how payments are being handled | No timely reply |
| Jun 6, 2019 | Student loans | Dealing with your lender or servicerReceived bad information about your loan | No timely reply |
| Apr 26, 2019 | Debt relief & credit repair | Fraud or scam | No timely reply |
Questions about Optima Advocates
How many complaints does Optima Advocates have?
Optima Advocates has 21 complaints on record since April 2017, including 0 in the last 12 months and 0 in the last 30 days.
Does Optima Advocates respond to complaints?
Yes. Optima Advocates answered 4.8% of its complaints on time (within 15 days) and closed 29% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Optima Advocates?
The most common problems are dealing with your lender or servicer (10), fraud or scam (9), can't repay my loan (1).
Is Optima Advocates legit?
Optima Advocates is a real company with a public complaint record: consumers have complained about it 21 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Optima Advocates legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Optima Advocates?
Complain to Optima Advocates 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 Optima Advocates complaints come from?
Most come from Illinois (2), Oregon (2), Washington (2). 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
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