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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)

Q3-2023
Q4-2023
Q1-2024
Q2-2024
Q3-2024
Banking10
11
11
21
5
Collection Agencies
644
6
5
Consumer Finance206
14
10
15
Credit Union2428
35
25
41
Debt Buyer
 0
 0
 0
 0
2
Debt Management Service Providers54
3
2
3
Insurance751
776
923
792
869
Licensing2  0
 0
 0
 0
Manufactured Structure Dealer2 3
1 1 1
Money Transmitters16 13 37
32
28
Mortgage Banker/Broker13
15
8 10
11
Mortgage Servicer
46 67
89
60
41
Other 1  0
 13
 5
0
Pawn Broker
2 2
 1
1 2
Payday Loans
 0
 0
2 0 0
Pre Need
 0
1  0
1
 0
Securities11
16
19
12
14
Student Loan7
21
28
17
15
Title Loans2 1
 0
 0
 0
Virtual Currency
0
0
 0
 1
 0
Not Reg By DFR - All Other56
49
44
67
66
Not Reg By DFR - Banking2717
21
18
7
Not Reg By DFR - Credit Unions58
8
5
4
Not Reg By DFR - Insurance220
266
250
230
245
Total:1,226
1,308
1,511
1,316
1,374
Recoveries Q3-2023 Q4-2023 Q1-2024 Q2-2024
Q3-2024
 
$1,865,361
 $2,219,976
$3,129,309
$2,222,918
$1,581,193

*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: