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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 2023 the team handled 4,852 complaints, 16,333 phone calls and e-mails. $8,753,919 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)

Q2-2023
Q3-2023
Q4-2023
Q1-2024
Q2-2024
Banking8
10
11
11
21
Collection Agencies
5644
5
Consumer Finance13206
14
11
Credit Union412428
35
25
Debt Buyer
1
 0
 0
 0
 0
Debt Management Service Providers5
54
3
3
Insurance722
751
776
921
812
Licensing 0
2  0
 0
 0
Manufactured Structure Dealer2 3
1 1
Money Transmitters23
16 13 37
31
Mortgage Banker/Broker1413
15
8 10
Mortgage Servicer
4546 67
89
60
Other 0 1  0
 13
 6
Pawn Broker
22 2
 1
1
Payday Loans
3 0
 0
2 0
Pre Need
 0
 0
1  0
1
Securities1510
16
19
11
Student Loan6
7
21
28
17
Title Loans 0
2 1
 0
 0
Virtual Currency
 0
0
0
 0
 1
Not Reg By DFR - All Other34
56
49
44
67
Not Reg By DFR - Banking16
2717
21
18
Not Reg By DFR - Credit Unions358
8
5
Not Reg By DFR - Insurance175
220
266
250
212
Total:1,131
1,225
1,308
1,509
1,318
Recoveries Q2-2023 Q3-2023 Q4-2023 Q1-2024 Q2-2024
 
$2,139,462
$1,864,950
 $2,219,976
$2,947,131
$2,205,631

*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: