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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)

Q4-2023
Q1-2024
Q2-2024
Q3-2024
Q4-2024
Banking11
11
20
5
12
Collection Agencies
44
6
54
Consumer Finance6
14
10
15
19
Credit Union28
35
25
4138
Debt Buyer
 0
 0
 0
2
 0
Debt Management Service Providers4
3
2
3
4
Insurance 776
920
792
851
794
Manufactured Structure Dealer 3
1 1 1
2
Money Transmitters 13 37
32
28
25
Mortgage Banker/Broker 15
8 10
11
4
Mortgage Servicer
67
89
60
41
44
Other 0
 13
 5
0 5
Pawn Broker
 2
 1
1 20
Payday Loans
 0
2 0 0
 0
Pre Need
1  0
1
 0
 0
Securities 16
19
12
15
12
Student Loan 21
28
17
16
14
Title Loans 1
 0
 0
 0
0
Virtual Currency
0
 0
 1
 0
0
Not Reg By DFR - All Other 49
44
67
66
45
Not Reg By DFR - Banking17
21
18
7
8
Not Reg By DFR - Credit Unions8
8
5
4
2
Not Reg By DFR - Insurance266
251
230
261
215
Total:1,308
1,509
1,315
1,374
1,247
Recoveries
Q4-2023 Q1-2024 Q2-2024
Q3-2024 Q4-2024

$2,219,976
$3,129,309
$2,289,826
$1,588,803
$1,956,485

*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: