Data / Consumer complaints / Spring Oaks Capital, LLC
Spring Oaks Capital, LLC: 10,514 CFPB consumer complaints in the last 3 years
Spring Oaks Capital, LLC drew 10,514 consumer complaints in the CFPB database in the three years to November 6, 2026, and 11,650 since 2020. The largest group, 8,143, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 4,157. The company responded on time to 99.9% of the complaints, and 51.6% closed with monetary or other relief.
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- 10,514Complaints, last 3 years
- 11,650Complaints, all years
- 99.9%Responded on time
- 51.6%Closed with relief
- 8Products
- Oct 30, 2026Latest received
Complaints by year
Every year the CFPB database holds for this company, by the date received.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 4,926 |
| 2025 | 3,813 |
| 2024 | 1,651 |
| 2023 | 673 |
| 2022 | 453 |
| 2021 | 128 |
| 2020 | 6 |
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 | 8,143 | 77.4% |
| Credit reporting or other personal consumer reports | 2,265 | 21.5% |
| Credit card | 52 | 0.5% |
| Payday loan, title loan, personal loan, or advance loan | 35 | 0.3% |
| Debt or credit management | 11 | 0.1% |
| Vehicle loan or lease | 5 | 0.1% |
| Checking or savings account | 2 | 0.1% |
| Prepaid card | 1 | 0.1% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 4,157 | 39.5% |
| Took or threatened to take negative or legal action | 1,497 | 14.2% |
| Written notification about debt | 1,189 | 11.3% |
| Incorrect information on your report | 1,130 | 10.7% |
| False statements or representation | 941 | 8.9% |
| Improper use of your report | 593 | 5.6% |
| Problem with a company's investigation into an existing problem | 551 | 5.2% |
| Communication tactics | 195 | 1.9% |
| Electronic communications | 127 | 1.2% |
| Threatened to contact someone or share information improperly | 37 | 0.4% |
| Getting a credit card | 16 | 0.2% |
| Credit monitoring or identity theft protection services | 10 | 0.1% |
| Charged fees or interest you didn't expect | 7 | 0.1% |
| Other features, terms, or problems | 7 | 0.1% |
| Problem with fraud alerts or security freezes | 7 | 0.1% |
| Struggling to pay your loan | 6 | 0.1% |
| Problem with a purchase shown on your statement | 4 | 0.1% |
| Closing your account | 3 | 0.1% |
| Confusing or missing disclosures | 3 | 0.1% |
| Problem when making payments | 3 | 0.1% |
| Problem with a company's investigation into an existing issue | 3 | 0.1% |
| Problem with customer service | 3 | 0.1% |
| Problem with the payoff process at the end of the loan | 3 | 0.1% |
| Confusing or misleading advertising or marketing | 2 | 0.1% |
| Didn't provide services promised | 2 | 0.1% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with non-monetary relief | 5,428 | 51.6% |
| Closed with explanation | 5,040 | 47.9% |
| In progress | 45 | 0.4% |
| Closed with monetary relief | 1 | 0.1% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 2,148 | 20.4% |
| Georgia | 1,242 | 11.8% |
| Florida | 1,064 | 10.1% |
| South Carolina | 658 | 6.3% |
| Alabama | 547 | 5.2% |
| California | 501 | 4.8% |
| Louisiana | 442 | 4.2% |
| Illinois | 405 | 3.9% |
| New York | 339 | 3.2% |
| Tennessee | 295 | 2.8% |
| Ohio | 244 | 2.3% |
| Pennsylvania | 224 | 2.1% |
| Mississippi | 220 | 2.1% |
| Michigan | 203 | 1.9% |
| New Jersey | 189 | 1.8% |
| Virginia | 175 | 1.7% |
| Maryland | 153 | 1.5% |
| Arizona | 148 | 1.4% |
| Missouri | 135 | 1.3% |
| Indiana | 131 | 1.2% |
| North Carolina | 112 | 1.1% |
| Oklahoma | 95 | 0.9% |
| Washington | 84 | 0.8% |
| Nevada | 82 | 0.8% |
| Wisconsin | 80 | 0.8% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 30, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 29, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 29, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 29, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 29, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 29, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 29, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 28, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 28, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 28, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 28, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 28, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 28, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 28, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 27, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 27, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with non-monetary relief | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with non-monetary relief | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 27, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with non-monetary relief | consumerfinance.gov |
| October 27, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 26, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 26, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 26, 2026 | Debt collection | Took or threatened to take negative or legal action | Closed with explanation | consumerfinance.gov |
| October 26, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 26, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 26, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| October 26, 2026 | 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 Credit card complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Consumer complaints in Texas
- Consumer complaints in Georgia
- Consumer complaints in Florida
- 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.