Orion Capital Solutions is a third-party collection agency based in Orchard Park, New York, with a second office in Fort Myers, Florida. It collects past-due accounts for creditors and says it is licensed nationally.
- Type
- Collection agency
- Also known as
- Orion Capital Solutions LLC
- Headquarters
- Orchard Park, NY
- Phone numbers it lists
- (855) 399-3250
- Website
- orioncapitalsolutions.com
81 debt collection complaints were sent to the Consumer Financial Protection Bureau about Orion Capital Solutions LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Orion Capital Solutions?
Orion Capital Solutions is a collection agency headquartered at 3055 Southwestern Boulevard in Orchard Park, New York, a suburb of Buffalo, with a second office on Winkler Avenue in Fort Myers, Florida. Its About page says it was founded in 2018 and calls it "a nationally licensed collection agency based in New York." The site lists NMLS ID 1901348 and a Nevada collection agency license, and it identifies a director of compliance. Its consumer number is (855) 399-3250, and its website carries the disclosure that communications from it are from a debt collector.
Why Orion Capital Solutions May Be Contacting You
Orion describes its role as helping creditors recover "overdue accounts" and helping consumers resolve them. Its website does not name its clients or list the kinds of accounts it handles, so you will have to rely on its first letter to learn the creditor. Read that letter for two names: the original creditor (the company you actually did business with) and the current creditor, which may be different if the account has been sold. If you do not recognize either name, say so in writing. The company has a Pay Online page, but paying before you have confirmed the account is yours can make a later dispute harder to win.
How to Check a Debt Orion Capital Solutions Says You Owe
Because Orion's public materials don't say what it collects, verification matters more than usual.
- Get the validation notice in hand. It must give the creditor's name, the account number, an itemization of interest, fees, payments and credits since a stated date, and the last day to dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period and ask for the original creditor's name and address. Orion must stop collecting until it mails verification.
- Ask who owns the debt today. If a buyer owns it, ask for the date of sale and the seller's name.
- Match the balance to your records, including any payments made to the original creditor.
- Check the dates. Texas generally sets a four-year limit on debt suits (Tex. Civ. Prac. & Rem. Code § 16.004) and bars debt buyers from suing on time-barred consumer debt (Tex. Fin. Code § 392.307). Limits in other states vary.
What Orion Capital Solutions Can and Can't Do
As a company whose principal business is collecting debts owed to others, Orion is a "debt collector" under 15 U.S.C. § 1692a(6). Among the FDCPA and Regulation F limits:
- It generally may not tell your relatives, friends or coworkers about the debt; calls to third parties are allowed only to find your location (15 U.S.C. §§ 1692b, 1692c(b)). See whether a collector can contact your family or employer.
- It must stop calling you at work once it knows your employer doesn't allow those calls (15 U.S.C. § 1692c(a)(3)).
- It may not place more than seven calls in seven days about one debt, or call again within seven days after a conversation (12 C.F.R. § 1006.14(b)(2)).
- Text messages and emails must include a simple way to opt out (12 C.F.R. § 1006.6(e)).
We did not find a CFPB enforcement action against Orion Capital Solutions. For help with a collector's conduct, see our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Orion Capital Solutions or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Orion Capital Solutions: home page
- Orion Capital Solutions: About us
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Orion Capital Solutions LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Orion Capital Solutions has violated any law. Company details change; tell us if something here is out of date.