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Consumer advocacy

Consumer Advocacy handles complaints and questions from Oregon consumers who are experiencing difficulties with entities regulated by the division. Advocates use their extensive industry knowledge to analyze and resolve complex issues. Consumers sometimes bring issues that are outside of DFR regulation; Consumer Advocacy is often able to refer them to the appropriate regulator.

In 2024 the team handled 5,445 complaints, 17,836 phone calls and e-mails. $8,964,423 in benefits was recovered* for Oregon consumers.

Consumer Advocacy focuses on getting results for individual consumers but also serves as the front line for observing and documenting industry behavior. If the advocate determines there is a violation of the law or questionable business practice, the complaint file is referred to Market Regulation, Investigations, or Enforcement.

Phone:
888-877-4894 (toll-free)

Insurance email:
DFR.InsuranceHelp@dcbs.oregon.gov

Financial services email:
DFR.FinancialServicesHelp@dcbsoregon.gov

Hours of operation:
8 a.m. to 5 p.m.

Address:
350 Winter Street NE
P.O. Box 14480
Salem, OR 97309-0405


Complaints (Opened Quarterly)

Q2-2024
Q3-2024
Q4-2024
Q1-2025
Q2-2025
Banking19
5
12
1212
Check Casher0
0
0
1
0
Collection Agencies
6
548
4
Consumer Finance9
15
19
15
8
Credit Services
0
0
0
0
1
Credit Union
27
41
384853
Debt Buyer
 0
2
0
 2
0
Debt Management Service Providers2
3
41
2
Insurance792
851
779
858
831
Manufactured Structure Dealer11
212
Money Transmitters 32
28
25 18
22
Mortgage Banker/Broker 10
11
4
5
10
Mortgage Servicer
59
40
44 55
53
Other5
052
2
Pawn Broker
1 202
2
Payday Loans
00
0
1
1
Pre Need
1
0
0
1 0
Securities12
15
11
23
24
Student Loan17
16
15
31
42
Virtual Currency
1
0
0
0
2
Not Reg By DFR - All Other69
66
45
56
53
Not Reg By DFR - Banking19
7817
13
Not Reg By DFR - Credit Unions3
4
2
4
4
Not Reg By DFR - Insurance230
261
231
265
226
Total:1,315
1,373
1,248
1,426
1,367
Recoveries
Q2-2024 Q3-2024
Q4-2024 Q1-2025 Q2-2025

$2,297,939
$1,595,854
$2,267,273
$2,492,226$1,234,499

*Financial benefit, reported as a monetary amount, DFR is able to achieve for consumers and businesses through a process other than an administrative action that results in an enforcement order.

Insurance industry

Complaint compare search tool

Use our complaint comparison tool to check complaint history for Insurers by selecting the type of insurance from the list, then selecting Insurers of interest to compare.

Complaint compare search tool

​​​​​​ Complaint data  (all insurers)

Below is a list of complaints Oregon consumers filed by type in the following years: