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Data / Consumer complaints / Live Oak Bancshares, Inc.

Live Oak Bancshares, Inc.: 41 CFPB consumer complaints in the last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Live Oak Bancshares, Inc. drew 41 consumer complaints in the CFPB database in the three years to November 6, 2026, and 41 since 2024. The largest group, 34, was about checking or savings account, and the most common issue was “Managing an account” with 17. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief. The CFPB records the company as LIVE OAK BANCSHARES, INC..

The request: Watch Live Oak Bancshares, Inc.: each new CFPB complaint by product and issue, with the date and the company response. $10 of work on sign-up, no card.

Watch this company's complaintsGet every checking or savings account companyGet checking or savings account in Arizona

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 41Complaints, last 3 years
  • 41Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 4Products
  • Sep 15, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 613
202523
20245

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Checking or savings account3482.9%
Money transfer, virtual currency, or money service49.8%
Mortgage24.9%
Debt collection12.4%

Issues

IssueComplaintsShare
Managing an account1741.5%
Opening an account1024.4%
Closing an account49.8%
Other transaction problem37.3%
Problem caused by your funds being low37.3%
Fraud or scam12.4%
Struggling to pay mortgage12.4%
Took or threatened to take negative or legal action12.4%
Trouble during payment process12.4%

How the company responded

Company responseComplaintsShare
Closed with explanation41100%

States

StateComplaintsShare
Arizona512.2%
California512.2%
New York49.8%
Virginia49.8%
South Carolina37.3%
Florida24.9%
Illinois24.9%
Massachusetts24.9%
Minnesota24.9%
Tennessee24.9%
Texas24.9%
Alabama12.4%
Colorado12.4%
Georgia12.4%
Michigan12.4%
North Carolina12.4%
Nebraska12.4%
Pennsylvania12.4%
Wisconsin12.4%

Latest 41 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
September 15, 2026Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
September 14, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
September 10, 2026Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
August 26, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
July 14, 2026Checking or savings accountProblem caused by your funds being lowClosed with explanationconsumerfinance.gov
June 4, 2026Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
April 17, 2026Money transfer, virtual currency, or money serviceOther transaction problemClosed with explanationconsumerfinance.gov
March 9, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
March 5, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
March 4, 2026Money transfer, virtual currency, or money serviceOther transaction problemClosed with explanationconsumerfinance.gov
February 7, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
January 22, 2026Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
January 3, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
December 1, 2025Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
November 27, 2025Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
November 27, 2025Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
November 26, 2025Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
November 25, 2025Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
November 15, 2025Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
October 28, 2025Money transfer, virtual currency, or money serviceOther transaction problemClosed with explanationconsumerfinance.gov
October 11, 2025MortgageStruggling to pay mortgageClosed with explanationconsumerfinance.gov
September 14, 2025Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
September 2, 2025MortgageTrouble during payment processClosed with explanationconsumerfinance.gov
July 29, 2025Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
June 30, 2025Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
June 12, 2025Money transfer, virtual currency, or money serviceFraud or scamClosed with explanationconsumerfinance.gov
May 21, 2025Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
May 21, 2025Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
May 14, 2025Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
May 2, 2025Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
April 17, 2025Checking or savings accountProblem caused by your funds being lowClosed with explanationconsumerfinance.gov
March 26, 2025Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
March 24, 2025Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
February 24, 2025Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
February 18, 2025Checking or savings accountProblem caused by your funds being lowClosed with explanationconsumerfinance.gov
February 16, 2025Checking or savings accountOpening an accountClosed with explanationconsumerfinance.gov
October 13, 2024Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
August 8, 2024Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
July 31, 2024Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov
May 15, 2024Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
May 14, 2024Checking or savings accountManaging an accountClosed with explanationconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.