Optimum Outcomes, Inc. Consumer Complaints
Optimum Outcomes, Inc. has received 639 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Apr 16, 2026Key Takeaways
- 639 total complaints on file with the CFPB.
- Most complaints are about Debt collection (588).
- Timely response rate: 88.9%.
- Consumer disputed rate: 21.8% of resolved complaints.
Complaints by Product
The following table shows how complaints against Optimum Outcomes, Inc. break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Debt collection | 588 | 92.0% |
| Credit reporting, credit repair services, or other personal consumer reports | 43 | 6.7% |
| Credit reporting | 8 | 1.3% |
Most Common Issues
These are the specific issues consumers most frequently report about Optimum Outcomes, Inc..
Company Response Breakdown
When consumers file complaints, Optimum Outcomes, Inc. responds in one of several ways. The breakdown below shows how Optimum Outcomes, Inc. has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 638 | 99.8% |
| Closed | 1 | 0.2% |
Complaints by State
Top states where consumers have filed complaints against Optimum Outcomes, Inc..
| State | Complaints |
|---|---|
| North Carolina | 244 |
| Georgia | 119 |
| Florida | 79 |
| Wisconsin | 36 |
| Texas | 34 |
| California | 14 |
| Louisiana | 12 |
| South Carolina | 11 |
| New Jersey | 8 |
| New York | 8 |
| Tennessee | 7 |
| Illinois | 6 |
| Maryland | 6 |
| Pennsylvania | 5 |
| Virginia | 5 |
| Ohio | 4 |
| Alaska | 3 |
| Arizona | 3 |
| New Mexico | 3 |
| Utah | 3 |
Your Rights
What to do if you have a complaint against Optimum Outcomes, Inc.
- Contact Optimum Outcomes, Inc. directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
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How many complaints does Optimum Outcomes, Inc. have?
Optimum Outcomes, Inc. has 639 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about Optimum Outcomes, Inc.?
The most common issue reported is Attempts to collect debt not owed with 149 complaints.
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How do I file a complaint against Optimum Outcomes, Inc.?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Optimum Outcomes, Inc. respond to complaints on time?
Optimum Outcomes, Inc. has a 88.9% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed April 2026.