Data / Consumer complaints / Live Oak Financial, Inc
Live Oak Financial, Inc: 61 CFPB consumer complaints in the last 3 years
Live Oak Financial, Inc drew 61 consumer complaints in the CFPB database in the three years to November 6, 2026, and 61 since 2025. The largest group, 44, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 16. The company responded on time to 24.6% of the complaints, and 0.0% closed with monetary or other relief.
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- 61Complaints, last 3 years
- 61Complaints, all years
- 24.6%Responded on time
- 0.0%Closed with relief
- 3Products
- Oct 17, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 38 |
| 2025 | 23 |
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.
| Product | Complaints | Share |
|---|---|---|
| Debt collection | 44 | 72.1% |
| Credit reporting or other personal consumer reports | 16 | 26.2% |
| Checking or savings account | 1 | 1.6% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 16 | 26.2% |
| Electronic communications | 8 | 13.1% |
| Written notification about debt | 7 | 11.5% |
| False statements or representation | 6 | 9.8% |
| Incorrect information on your report | 6 | 9.8% |
| Problem with a company's investigation into an existing problem | 5 | 8.2% |
| Improper use of your report | 4 | 6.6% |
| Took or threatened to take negative or legal action | 4 | 6.6% |
| Threatened to contact someone or share information improperly | 2 | 3.3% |
| Communication tactics | 1 | 1.6% |
| Identity theft protection or other monitoring services | 1 | 1.6% |
| Managing an account | 1 | 1.6% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Untimely response | 44 | 72.1% |
| Closed with explanation | 17 | 27.9% |
States
| State | Complaints | Share |
|---|---|---|
| Georgia | 47 | 77% |
| Alabama | 3 | 4.9% |
| California | 1 | 1.6% |
| Florida | 1 | 1.6% |
| Kentucky | 1 | 1.6% |
| Massachusetts | 1 | 1.6% |
| Nevada | 1 | 1.6% |
| Oklahoma | 1 | 1.6% |
| Pennsylvania | 1 | 1.6% |
| South Carolina | 1 | 1.6% |
| Tennessee | 1 | 1.6% |
| Texas | 1 | 1.6% |
| Virginia | 1 | 1.6% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 17, 2026 | Checking or savings account | Managing an account | Untimely response | consumerfinance.gov |
| September 8, 2026 | Debt collection | Electronic communications | Untimely response | consumerfinance.gov |
| September 4, 2026 | Debt collection | Electronic communications | Untimely response | consumerfinance.gov |
| August 19, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| August 9, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| July 30, 2026 | Debt collection | Electronic communications | Untimely response | consumerfinance.gov |
| July 29, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| July 24, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| July 23, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| July 22, 2026 | Debt collection | Electronic communications | Untimely response | consumerfinance.gov |
| July 22, 2026 | Debt collection | Electronic communications | Untimely response | consumerfinance.gov |
| July 18, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| July 15, 2026 | Debt collection | Electronic communications | Untimely response | consumerfinance.gov |
| July 10, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| July 9, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| July 4, 2026 | Credit reporting or other personal consumer reports | Identity theft protection or other monitoring services | Untimely response | consumerfinance.gov |
| July 2, 2026 | Debt collection | False statements or representation | Untimely response | consumerfinance.gov |
| June 23, 2026 | Debt collection | False statements or representation | Untimely response | consumerfinance.gov |
| June 16, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Untimely response | consumerfinance.gov |
| June 2, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| June 2, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Untimely response | consumerfinance.gov |
| May 25, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Untimely response | consumerfinance.gov |
| May 11, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Untimely response | consumerfinance.gov |
| April 27, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| April 23, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| April 21, 2026 | Debt collection | Threatened to contact someone or share information improperly | Untimely response | consumerfinance.gov |
| April 18, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Untimely response | consumerfinance.gov |
| April 10, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| April 9, 2026 | Debt collection | Communication tactics | Untimely response | consumerfinance.gov |
| April 7, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| March 11, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| March 2, 2026 | Debt collection | Took or threatened to take negative or legal action | Untimely response | consumerfinance.gov |
| March 2, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| January 22, 2026 | Debt collection | Written notification about debt | Untimely response | consumerfinance.gov |
| January 22, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| January 14, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| January 12, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| January 8, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Untimely response | consumerfinance.gov |
| December 29, 2025 | Debt collection | False statements or representation | Untimely response | consumerfinance.gov |
| December 4, 2025 | Debt collection | False statements or representation | Untimely response | consumerfinance.gov |
| November 23, 2025 | Debt collection | Electronic communications | Untimely response | consumerfinance.gov |
| November 20, 2025 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| November 18, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Untimely response | consumerfinance.gov |
| November 18, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Untimely response | consumerfinance.gov |
| November 15, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 10, 2025 | Debt collection | Attempts to collect debt not owed | Untimely response | consumerfinance.gov |
| November 4, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| November 4, 2025 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| September 23, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 11, 2025 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Debt collection complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Checking or savings account complaints
- Consumer complaints in Georgia
- Consumer complaints in Alabama
- Consumer complaints in California
- All consumer complaints
Updated November 7, 2026. Read from CFPB Consumer Complaint Database. 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.