Debt collection
Optio Solutions: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 39
- Closed with money back
- 0
- 2023 to 2025
- 3 to 23
Optio Solutions received 414 complaints from everyone in the window; 39 carried the servicemember tag. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0 of the 39 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 3 in 2023 to 23 in 2025.
What the complaints are about
By product
| Debt collection | 31 |
| Credit reporting or other personal consumer reports | 8 |
By issue
| Attempts to collect debt not owed | 10 |
| Written notification about debt | 9 |
| False statements or representation | 7 |
| Incorrect information on your report | 5 |
| Improper use of your report | 3 |
| 2023: 3 | 2024: 13 | 2025: 23 |
Which accounts, specifically
| Rental debt | 21 |
| Credit reporting | 7 |
| I do not know | 6 |
| Other debt | 4 |
| Other personal consumer report | 1 |
What went wrong, specifically
| Debt is not yours | 5 |
| Attempted to collect wrong amount | 5 |
| Didn't receive notice of right to dispute | 5 |
| Debt was result of identity theft | 4 |
| Reporting company used your report improperly | 3 |
Busiest month: April 2025, with 7 servicemember complaints. Most were submitted by web.
Most complaints came from TX (13), GA (9), VA (3) , then CA, MD, OR.
How Optio Solutions answered
| Closed with explanation | 39 |
Optio Solutions responded within the CFPB's 15-day window on 97% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Written notification about debt. MD, 2024-08-29. Outcome: Closed with explanation. Complaint 9986055
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Debt collection; Written notification about debt. TX, 2024-08-22. Outcome: Closed with explanation. Complaint 9884287
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Debt collection; Attempts to collect debt not owed. TX, 2024-08-07. Outcome: Closed with explanation. Complaint 9739130
If this is your problem at Optio Solutions
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- American Coradius International 39 servicemember complaints; 0 with money back
- Firstsource Business Process Services 39 servicemember complaints; 0 with money back
- Oliphant United 39 servicemember complaints; 0 with money back
- The Receivable Management Services 39 servicemember complaints; 0 with money back
- Reliant Capital Solutions 38 servicemember complaints; 0 with money back
Next in the directory by volume: Siggi, Blackhawk Network.
Frequently asked questions
How many complaints did servicemembers file against Optio Solutions?
39 complaints tagged servicemember were received by the CFPB about Optio Solutions, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 3 in 2023 to 23 in 2025.
What do servicemembers complain about most at Optio Solutions?
Debt collection accounts for 31 of the 39 complaints, and the most common issue is "Attempts to collect debt not owed" (10). Next: "Written notification about debt" (9).
Does Optio Solutions give money back when a servicemember complains?
0 of the 39 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 39 closed with an explanation only. Optio Solutions answered 97% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.