Business Profile

Investment Advisory Services

Oliphant Financial

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Investment Advisory Services.

Complaints

Customer Complaints Summary

60 total complaints in the last 3 years.
16 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:06/23/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Oliphant Financial, LLC is aggressively attempting to collect an alleged debt of $5,520 from me. I have sent a formal dispute letter via certified mail demanding full validation of this debt, as is my right under the Fair Debt Collection Practices Act (FDCPA). Despite my dispute, their collection efforts constitute harassment and are in violation of federal consumer protection laws. I am seeking immediate cessation of all collection activities until this debt is properly validated, and for Oliphant Financial to cease all harassing contact.
Business Response
Date: 06/24/2025
Tell us why here...June 24, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We have received information from the Better Business Bureau that you filed a complaint against our company, Oliphant Financial, LLC.

Due to the nature of the complaint, we will respond directly to Ms. ********* through the existing account servicer and will provide her with more information about the account in question. In addition, Ms. ********* can contact our office at any time should she need immediate assistance by reaching us via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Initial Complaint
Date:06/17/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Multiple calls daily from collection agency Oliphant ***. They claim debt is owed but I have no accounts in default or collections and all of my balances are current. They are harassing me with constant contact. Some of their voicemails are lies, starting they have a promotional offer to try and encourage contact.
Business Response
Date: 06/18/2025
Tell us why here...June 18, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We have received information from the Better Business Bureau that you filed a complaint against our company, Oliphant Financial, LLC.

We have taken the necessary steps on our end to address the concerns. In addition,if immediate assistance is needed, we can be contacted via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Initial Complaint
Date:06/17/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I enrolled my 2 lending tree loans voluntarily into the national debt relief program 9/2022. while in the program lending tree settled on a agreed amount to be paid. somewhere down the line lending tree sold out to ********. i had never been contacted by them prior or informed by lending tree, or natioanl debt program and of the sell out happened at all. i just kept making my monthly payments as i was supposed to. one loan completely paid, and the second one also paid to the amount negotiated with natioanl debt, but on the 2nd larger loan i noticed the top corner stated the words "renegotiating". renegotiating what?? i never agreed, or signed or was contacted about any of that. i ended the natioanl debt program 12/2024, and noticed after Olphiant slapped a HUGE amount of money in my collections stating i owe them. I owe them what??? I have no clue who they are or why they were tryng to ruin my life. I am enacting); 15 U.S.C. 1692 (FDCPA);15 U.S. Code 1692(g)
Business Response
Date: 06/17/2025
Tell us why here...June 17, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We have received information from the Better Business Bureau that you filed a complaint against our company, Oliphant Financial, LLC.

Due to the nature of the complaint, we will respond directly to Ms. ******* and will provide her with more information about the account in question. In addition, ********** can contact our office at any time should she need immediate assistance by reaching us via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Customer Answer
Date: 06/17/2025
Complaint: 23479174

I am rejecting this response because: I have heard nothing from this company in regards to them buying out my Lending tree loans that were enrolled into the national debt program 9/2022 with a negotiated and agreed fee between lending tree, national debt and myself. I have heard nothing until I contacted BBB today. This company nor the other contacted me, I did not sign or agree to anything from Olphiant and had no clue who they were until.i saw them posting my lending tree as a collection with a absurd amount. Provide all documentation. U.S. code 1692(g), U.S.C. 1692(FDCPA)

Regards,

******* *******
Business Response
Date: 06/19/2025
Tell us why here...June 19, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We are in receipt of the consumers response to complaint # ******** filed against Oliphant Financial, LLC.

We have taken the necessary steps on our end to address the consumers concerns.Therefore, at this time we have no additional information to provide. In addition, if Ms. ******* has any addition questions or concerns, she can contact our office via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Initial Complaint
Date:06/14/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I'am not liable for this debt with *******. I do not have a contract with Oliphant *******, they did not provide me with the original contract as requested.
Business Response
Date: 06/16/2025
June 16, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We have received information from the Better Business Bureau that you filed a complaint against our company, Oliphant Financial, LLC.

Due to the nature of the complaint, we will respond directly to Ms. ********* and will provide her with more information about the account in question. In addition, Ms. ********* can contact our office at any time should she need immediate assistance by reaching us via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Customer Answer
Date: 06/17/2025
Complaint: 23469701

I am rejecting this response because:
It does not answer my original complaint.
Regards,

****** *********
Business Response
Date: 06/17/2025
Tell us why here...June 17, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We are in receipt of the consumers response to the BBB complaint # ********.

We have taken the necessary steps on our end to address Ms. ********** concerns.Therefore, at this time we have no additional information to provide. In addition, Ms. ********* can contact our office at any time should she need immediate assistance by reaching us via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Customer Answer
Date: 06/17/2025
Complaint: 23469701

I am rejecting this response because:
I demand this account be removed from credit report because Oliphant is not able to prove with proper documentation that this account/loan/collection belongs to me.
Regards,

****** *********
Initial Complaint
Date:06/04/2025
Type:Order Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Oliphant is attempting to collect on a debt that I am not liable for by placing a collection account on my credit reports. I had no contract with the original creditor nor with Oliphant. I have asked for the original contract with my signature and the purchase agreement between Oliphant and the original creditor, but neither were given.
Business Response
Date: 06/05/2025
Tell us why here...June 5, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We have received information from the Better Business Bureau that you filed a complaint against our company, Oliphant Financial, LLC.

Due to the nature of the complaint, we will respond directly to Mr. ***** and will provide him with more information about the account in question. In addition, ******** can contact the servicer of the account or our office at any time should he need immediate assistance by reaching us via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Customer Answer
Date: 06/05/2025
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. The credit reporting agencies have corrected the error. Thank you.

Regards,

Chancellor *****
Initial Complaint
Date:05/12/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
They are seeking a debt from over 5 years ago that isn't mine. I have disputed this in March with no action taken. I called several times, I was told to put it in writing, which I did. Then I have placed several phone calls with no action taken. I even disputed this on my credit report which they recognized, and no action has been taken. I spoke with the manager ******, and he said he would take care of it, and I subsequently called them back several times. Again, no action to resolve this matter. I get the run around and now my calls are ignored. I have worked very hard to make sure my credit rating is in good standing after the 2010 mortgage fall and now this has ruined my credit. Any help is greatly appreciated.
Business Response
Date: 05/21/2025
May 21, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We have received information from the Better Business Bureau that you filed a complaint against our company, Oliphant Financial, LLC.

Due to the nature of the complaint, we will respond directly to Ms. *********** and will provide her with more information about the account in question. In addition, Ms. *********** can contact our office at any time should she need immediate assistance by reaching us via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Customer Answer
Date: 05/21/2025
Complaint: 23317158

I am rejecting this response because: Every effort I have made to communicate with this organization has resulted in no assistance to resolve. No returned calls. They still have not acknowledged my dispute that I made back in October 2024, then again in writing in March of 2023 and I have yet to hear from the manager that I contacted several times. He answered my call once then im told he is in a meeting every subsequent time thereafter.

Regards,

****** ****-verson
Business Response
Date: 05/21/2025
May 21, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We are in receipt of the consumers response to complaint ******** filed against Oliphant Financial.

We have taken the necessary steps on our end to address Ms. *********** concerns.Therefore, at this time we have no additional information to provide. In addition, if she has any addition questions or concerns, she can contact our office via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Initial Complaint
Date:05/01/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I HAVE ATTACHED MY DRIVERS LICENSE AND PROOF OF RESIDENCY THIS IS ME ******* JAMES ******* MAKING A SECOND COMPLAINT BECAUSE YOUR BS SYSTEM SAID : I WAS USING A TEMPLATE." ARE YOU KIDDING????? I WROTE 3 LINES. I DO NOT HAVE A DEBT WITH NOR AM I LIABLE FOR THIS DEBT WITH *******. I DON'T EVEN KNOW WHO THEY ARE. FURTHERMORE, I DO NOT HAVE ANY CONTRACTS WITH OLIPHANT COLLECTION SERVICES. I HAVE SIGNED NO CONTRACTS, I HAVE NOT SEEN ANY DOCUMENTS OR PROOF. I HAVE NOT RECEIVED ANY PROOF DOCUMENTS FROM OLIPHANT OR THE ORIGINAL CONTRACT!THIS IS NOT A FAKE - THIS IS A REAL COMPLAINT THAT NEEDS HANDLES ASAP. REGARDS, ******* JAMES *******
Business Response
Date: 05/05/2025
Tell us why here...
May 5, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We have received information from the Better Business Bureau that you filed a complaint against our company, Oliphant Financial, LLC.

Due to the nature of the complaint, we will respond directly to Mr. ******* and will provide him with more information about the account in question. In addition, ********** can contact our office at any time should he need immediate assistance by reaching us via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Customer Answer
Date: 05/05/2025
Complaint: 23273413

I am rejecting this response because: NO PROOF PROVE IT SHOW ME A CONTRACT - SHOW ME MY SIGNATURE

Regards,

******* *******
Customer Answer
Date: 05/05/2025
Complaint: 23273413

I am rejecting this response because: NO PROOF PROVE IT SHOW ME A CONTRACT - SHOW ME MY SIGNATURE

Regards,

******* *******
Business Response
Date: 06/02/2025
Tell us why here...June 2, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We are in receipt of the consumers response to the BBB complaint # ********.

We have taken the necessary steps on our end to address Mr. ******** concerns.Therefore, at this time we have no additional information to provide. In addition, Mr. ******* can contact our office at any time should he need immediate assistance via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Customer Answer
Date: 06/27/2025
Complaint: 23273413

I am rejecting this response because: SEE BELOW
URGENT: Fraudulent Account EQUIFAX Identity Theft Case #******** | Immediate Action Required
Dear Better Business Bureau, Oliphant Financial,
I am writing to formally dispute the validity of the debt associated with my identity theft case.
I am a confirmed victim of the 2017 ************ breach, and the account in question along with over a dozen others is part of an organized and documented case of fraud.
Case Information:
Equifax Identity Theft Case #: ********
Case Type: Assisted Restoration Identity Theft Case under the Equifax settlement
Assigned Agent Contact: MR ******** WILKE I Restoration Specialist I CSID, a part of Experian
OFFICE : *************************** FAX: ***************
MCEJ Experian *************
CSID
PO Box 2317
***************
Fax: ***************

Attached Documentation Includes:
Power of Attorney and supporting case documents
Official police report
FBI report
FTC and CFPB filings
IRS tax filings for relevant years
Proof of unrelated employment history
Documentation of bank account activity tied to fraudulent patterns
Key Points of Evidence:
The drivers license submitted has clearly been tampered with examine the plastic around the photo.
The pay stub is fake I never worked for the company listed. Nor does the *** have this on file.
Several bank account tied to the transaction shows activity patterns consistent with the known thief in addition to proof docs from those aforementioned banks acknowledging the fraud and its subsequent removal from my credit. My IRS filings contradict the employment claimed in the fraudulent documents.
Failure to Investigate:
This collection agency has conducted zero investigation into this matter.
You have not contacted the police, **** or my Equifax-assigned representative.
Instead of performing due diligence, you have attempted to enforce a fraudulent debt against me.
Immediate Demands:
Contact the assigned investigators and relevant authorities immediately.
Withdraw and remove this fraudulent account from your records.
Stop the collection activity before legal action is taken for damages caused by your negligence.

Legal Reminder:
Filing a false police report is a felony. You are currently acting on fraudulent information without any verified evidence.
No legitimate pay stub
No valid ID
No verified bank account or physical documentation tying me to the alleged debt
This behavior is irresponsible and harmful, and I will not allow my name to be ruined by false and fabricated claims.
I urge you to act responsibly and verify the facts by contacting law enforcement and the proper federal authorities.
Sincerely,
******* ***** *******
************
*********************************

PLEASE NOTE TO ALL:
Despite Equifax assigning me a credit specialist (from Experian) over three years ago to resolve these issues, and my submission of over 22 certified, notarized dispute letters with supporting documentation, these accounts have not been removed. *******'s own representative has acknowledged these accounts as fraudulent, yet the credit bureaus and the respective banks continue to report them, causing significant harm to my creditworthiness.
This ongoing situation appears to be a violation of the Fair Credit Reporting Act (FCRA), specifically:
15 U.S.C. 1681i(a)(5)(A): Failure to delete information found to be inaccurate or unverifiable.
15 U.S.C. 1681s-2(b): Failure of furnishers to investigate and correct inaccurate information.
Desired Resolution:
I request the immediate and permanent deletion of the aforementioned fraudulent accounts from all my credit reports. Additionally, I seek confirmation that these accounts have been removed and that no further negative information related to them will be reported.
I have attached copies of all relevant correspondence, including Equifax's confirmation of the fraud, dispute letters sent, and any responses received.
Equifax Data Breach of 2017:
***** Fargo - Date of Fraud: *******
Lending Point - Date of Fraud: ******* - *********************** Checking Account 1 - Date of Fraud: ******* - *********************** Checking Account 2 - Date of Fraud: ******* - *********************** Savings Account - Date of Fraud: ******* - Removed
Ollo/Ally - Date of Fraud: ******* - ************************** Date of Fraud: ******* - Removed
One Main Financial - Date of Fraud: ******* - ***************************** Date of Fraud: ******* - ******************************************* Breach of 2023:
************ - Date of Fraud: 09.29.2023
Capital One - Date of Fraud: ******* - Removed
******** Financial Auto Loan - Date of Fraud: 03.24.2024 - Removed
Prosper Loan - Date of Fraud: 10.15.2023 - Removed
Upstart Network Loan - Date of Fraud: 09.29.2023 - Removed

******* *******
Business Response
Date: 07/10/2025
Tell us why here...June 10, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We are in receipt of the consumers response to the BBB complaint # ********.

The necessary steps have been taken to address Mr. ******** concerns and at this time we have no further information to provide. In addition, Mr. ******* can contact our office at any time should he need immediate assistance via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Customer Answer
Date: 07/15/2025
Complaint: 23273413

I am rejecting this response because:

******* ***** *******
******************
***********, IN *****
Phone: **************
Email: **************************

July 15, 2025

Oliphant Financial, LLC
Attn: *********************
**************************
******************

RE: **FINAL DEMAND BEFORE FEDERAL LAWSUIT**
Equifax Case #******** | Amount in Dispute: $19,900
Violations of FCRA & FDCPA

To Whom It May Concern:

This letter serves as your **final opportunity to resolve this matter prior to litigation** in the United States District Court for the Northern District of *******

### FACTUAL SUMMARY:
- I am a confirmed **identity theft victim** (Equifax Case #********) with extensive documentation including:
- Police Report, FTC Report, *** Report
- Tampered Drivers License, Fake Pay Stub, *************** Information
- The account you are attempting to collect and report originated fraudulently with **************** and was never authorized by me.
- You were provided **written notice of identity theft** and supporting documents in accordance with **FCRA 1681c-2**.

### YOUR LEGAL VIOLATIONS:
1. **Fair Credit Reporting Act (FCRA)**
- 15 U.S.C. 1681c-2: Failure to block fraudulent information after receiving proof of identity theft.
- 15 U.S.C. 1681s-2: Continued reporting of inaccurate data after notice.

2. **Fair Debt Collection Practices Act (FDCPA)**
- 15 U.S.C. 1692g(b): Failure to validate the debt upon written request.
- 15 U.S.C. 1692e & 1692f: Misrepresentation and continued collection on a fraudulent account.

Despite my prior disputes and your statutory obligations, you have **continued reporting this fraudulent account**, causing severe harm to my credit and personal life.

### DEMAND FOR RESOLUTION:
You are hereby **demanded to**:
- Immediately delete and permanently remove the fraudulent account from all consumer reporting agencies.
- Cease all collection activity on this account.
- Provide written confirmation of compliance within **10 business days** of receipt of this letter.

### NOTICE OF LEGAL ACTION:
Failure to comply will leave me no alternative but to file a **federal lawsuit** against **Oliphant Financial, LLC**, seeking:

- **Actual damages**
- **Statutory damages** under FCRA & FDCPA
- **Punitive damages** for willful violations
- **Attorneys fees and court costs**

This is your **final warning**. After the deadline, I will proceed with litigation without further notice.

Sincerely,
******* ***** ********************************
Initial Complaint
Date:01/02/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Olyphant harassed me since purchasing this KNOWN FRAUDULANT DEBT from Shop HQ. In 2021 someone made multiple fraudulent purchases including this one. I have never used this merchant. My bank identified it immediately as part of the compromise to my finances and accounts and ruled it as fraud, notified Shop HQ and reversed all charges. The debt was sold to ********. A complaint was filed, a **** complaint was filed, and all three credit agencies were notified that the collection added at that time was indeed fraudulent and Olyphant is aware of that. The collections were removed from my file at that time.Olyphant, knowing the "clock" is running out on the debt has begun aggressive attempts again, in bad faith, and knowing the debt has been deemed fraud and already removed prior on multipole occasions, resumed calling, and threatening again. The ******** agent stated they did not care who the debt belonged to, if it were fraud, etc. and stated they would damage my credit intentionally to cause me harm and force me to pay the debt regardless of its fraudulent status. They readily admit it had been established that this debt has been determined to be fraud in the past. Olyphant further stated they saw I had applied for loans and was making soft pulls looking at autos and would sabotage that. Indeed, Olyphant has done this and has intentionally and with malice aforethought once again filed a collection on the fraudulent debt that they are very aware I am not responsible for.All of this is documented by bad faith and predatory behavior that the firm has exhibited and has a known systematic pattern of documented behavior and legal filings from consumers against Olyphant.
Business Response
Date: 01/02/2025
January 2, 2024

Better Business Bureau

Complaint ID. ********

To Whom It May Concern,

We have received information from the Better Business Bureau that a complaint has been filed against Oliphant *********

Due to the nature of the complaint, we will respond directly to the customer and will provide more information about the account in question. In addition, the consumer can contact our office at any time should he need immediate assistance by reaching us via telephone at ************ and or via email at ***************************************************************

Respectfully,
Oliphant USA, LLC
***************************************************************

Customer Answer
Date: 01/02/2025
Complaint: 22755981

I am rejecting this response because:
The business is avoiding giving an accurate response to the BBB to avoid an "on the record" response.
Further, Oliphant has EXPRESSLY been told (see original comments) not to contact the person posting, his work, his family, his friends or ANY associated person to him in ANY manner.
ANY contact will incur further FCRA violations for each offense.
Oliphant simply needs to REMOVE the collection IMMEDIATELY from all agencies and destroy the file, and acknowledge it did so.
Stating such violates no confidentiality or privacy laws.
Oliphant is a predatory agency and responses such as these are why they have been successfully sued, fined or forced to settle because of their systematic and intentional abuse of consumers.

Regards,

*** ****
Business Response
Date: 01/03/2025
Better Business Bureau

Complaint ID. ********

We are sorry to hear Mr. **** is not satisfied with the response our company provided. As previously mentioned, due to the nature of the complaint, we went ahead and mailed additional account information to Mr. **** to the address provided in the complaint. Currently, we do not have any other information to provide through this method of communication. We welcome the consumer to contact our office directly by telephone at ************ and or via email at ********************************** should he has any additional questions or concerns.

Thank you.

Oliphant ********
Customer Answer
Date: 01/03/2025
Complaint: 22755981

I am rejecting this response because:
The predatory agency once again simply refuses to acknowledge that they have, or plan to, remove the collection that they are aware was a fraudulent transaction, have filing for such transaction, and that my financial institution deemed it as such.
There is no privacy concern doing such.
This is the ONLY acceptable response.
The predatory agency was not provided with substantial evidence by the original merchant who was involved in the aforementioned fraud to file a collection.
This is yet another FCRA violation that caused me tangible damages.
The continued attempts to fraudulently collect, not follow proper FCRA and cardholder agreements with my bank, harassment, and willingly causing me financial and personal harm by continuing to post these collections on my credit report with all three agencies are FCRA violations and prosecutable.
Remove the items immediately and cease all contact, as you've been instructed prior.

Regards,

*** ****
Business Response
Date: 01/06/2025
To Whom It May Concern:

Please be advised the consumer concerns were already handled on our end. Currently, there is no other information to provide to Mr. ***** We have closed this complaint on our end.

Thank you,

Oliphant ********
Customer Answer
Date: 01/06/2025
Complaint: 22755981

I am rejecting this response because:
At this point although the **************** has acknowledged it will be closing the file and removing the trade lines from my reports, it has not occurred.
Due to the historical bad faith actions recorded against this firm on numerous government, private and public sites, I will only accept this response once the three reporting agencies acknowledged this promise and they are clear of my report and file.

Regards,

*** ****
Initial Complaint
Date:09/25/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I do not know origin of this so-called debt and entry on my credit report that I've been disputing, I never provided my written consent to Oliphant Financial LLC to report this alleged item on my consumer credit report, I never had any contract with this company. Out of the blue they say I owe them money. I have never engaged in any business with this company According to *** guidelines, reporting this alleged debt on my credit report is a collection activity. This violates : 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Delete this immediately as it violate federal laws and pay a fine of $1000 per violation in damages as stated on my letter attached to this complaint. Please investigate.
Business Response
Date: 09/23/2024
September 23, 2024

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We have received information from the Better Business Bureau that you filed a complaint against our company, Oliphant Financial, LLC. Please consider this as our response.

Due to the nature of the complaint, we will respond directly to Mr. ******* through the existing account servicer and will provide him with more information about the account in question. In addition, Mr. ******* can contact our office at any time should he need immediate assistance by reaching us via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************
Initial Complaint
Date:09/25/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have never done business with this company and all of a sudden they have popped up on my credit report. I have just purchased my home for the first time last year in 2023 and this company was never listed on my credit report for collections. This is fraudulent behavior and I want this company to remove all derogatory information from my report with transunion.
Business Response
Date: 09/24/2024
September 24 , 2024

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We have received information from the Better Business Bureau that you filed a complaint against our company, Oliphant Financial, LLC.

Due to the nature of the complaint, we will respond directly to Mrs. ******* through the existing account servicer and will provide her with more information about the account in question. In addition, Mrs. ******* can contact our office at any time should he need immediate assistance by reaching us via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************

Customer Answer
Date: 09/25/2024
Complaint: 22211889

I am rejecting this response because: per cfpb regulations Oliphant was supposed to have notified me via mail or phone calls at least 14 days prior to this debt just being thrown on my credit report. This debt is heading towards 5 years or plus older. I reached out to Oliphant after they negatively marked my credit report and since this happened they issued me a invoice and had been calling or texting me. Oliphant is using "zombie debt collection practices". Also per my credit report this debt is also noted " 100% paid in full" from a previous collector or from whoever I originally established payments with over 5 years ago. Once again Oliphant violated all notifications to consumer per **** regulations. There is no way a 5 year old debt can just be thrown on a consumer credit report without proper notifications ahead of time.

Regards,

****** *******
Business Response
Date: 10/01/2024
We are in response of Mrs. ******* correspondence, as previously noted due to the nature of the complaint, we responded directly to Mrs. ******* by providing additional account documentation.
Thank you.

Customer Answer
Date: 10/01/2024
Complaint: 22211889

I am rejecting this response because: All documents have been forwarded to Oliphant; including letter previously sent to ************ last year before my home purchase in July 2023 and also copy of my credit report showing " loan was paid in full". This company is guilty of violating consumer notifications debt rights before they marked my credit report unlawfully. I have the **** involved who had also alerted the Office of Comptroller regarding this complaint. Per CFPB; Office of Comptroller has been handling many complaints against Oliphant.The only satisfaction Oliphant can give me is to make my credit report whole again and remove this unlawful strike on it. Once again Oliphant violated consumer notification; before strike on credit report. I called them first and since then; they have sent me a bogus invoice; calling and texting me often.

Regards,

****** *******
Business Response
Date: 06/03/2025
June 3, 2025

Better Business Bureau

Re: ID: # ********

To Whom It May Concern,

We are in receipt of the consumers response to complaint # ********.

We have taken the necessary steps on our end to address Ms. ******* concerns. Therefore at this time we have no additional information to provide. In addition, if she has any further questions or concerns, she can contact us any time via telephone at ************ and or via email at *********************************************************.

Respectfully
Oliphant Financial, LLC
*********************************************************

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Oliphant Financial is NOT a BBB Accredited Business.