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 2022 the team handled 4.392 complaints, 13,835 phone calls and e-mails. $8,633,345 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.
|
Complaints |
|---|
| Q1-2022 | Q2-2022 | Q3-2022 | Q4-2022 | Q1-2023
|
|---|
| Banking | 10 | 3 | 6 | 7 | 5
|
| Collection Agencies | 6 | 3 | 4 | 3 | 5
|
| Consumer Finance | 6 | 15 | 13 | 17 | 10
|
| Credit Union | 35 | 27 | 36 | 33 | 33
|
Debt Buyer
| | 1 | | |
|
| Debt Management Service Providers | 3 | 2 | 1 | 6 | 3
|
| Endowment Care Cemeteries | | | | 1 |
|
| Identity Theft/Data Breach | 1 | | | |
|
| Insurance | 706 | 632 | 745 | 728 | 849
|
| Manufactured Structure Dealer | 6 | 3 | | 3 | 2 |
| Money Transmitters | 29 | 23 | 17 | 20 | 32
|
| Mortgage Banker/Broker | 10 | 16 | 9 | 16 | 10
|
| Mortgage Servicer | 73 | 55 | 58 | 45 | 78
|
| Pawn Broker | | | | | 2 |
| Payday Loans | | 1 | 1 | 1 | 4 |
| Securities | 22 | 15 | 16 | 13 | 18
|
| Student Loan | | | 5 | 16 | 7 |
| Title Loans | | 1 | | |
|
| Unregulated - All Other | 41 | 26 | 27 | 36 | 39
|
| Unregulated - Banks | 16 | 14 | 14 | 14 | 12
|
| Unregulated - Credit Unions | 4 | 2 | 3 | 5 | 3
|
| Unregulated - Insurance | 181 | 164 | 148 | 173 | 168
|
| Unregulated - Insurance | 1,149 | 1,003 | 1,103 | 1,137 | 4,392 |
|
Recoveries |
|---|
| $2,100,403 | $2,280,264 | $2,615,975 | $1,636,703 | $5,610,756
|
*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:
Consumer complaints received by the program area for 2021
Total recoveries in 2021: $7,555,131