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Data / Consumer complaints / Spring Oaks Capital, LLC / Credit card

Spring Oaks Capital, LLC: 52 CFPB complaints about credit card, last 3 years

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

Spring Oaks Capital, LLC drew 52 consumer complaints about credit card in the CFPB database in the three years to November 6, 2026, 0.5% of its 10,514 complaints in that time. The most common issue was “Getting a credit card”. The company responded on time to 100.0% of them, and 30.8% closed with monetary or other relief.

The request: Watch Spring Oaks Capital, LLC: each new CFPB complaint about credit card by issue, with the date and the company response. $10 of work on sign-up, no card.

Watch this company's complaintsGet every company for this productGet credit card in Florida

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.

  • 52Complaints, last 3 years
  • 0.5%Share of the company's complaints
  • 100.0%Responded on time
  • 30.8%Closed with relief
  • Oct 23, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 20262038.5%
12 months to Nov 6, 20251936.5%
12 months to Nov 6, 20241325%

Issues

IssueComplaintsShare
Getting a credit card1630.8%
Incorrect information on your report713.5%
Other features, terms, or problems713.5%
Problem with a company's investigation into an existing problem59.6%
Problem with a purchase shown on your statement47.7%
Closing your account35.8%
Improper use of your report35.8%
Fees or interest23.8%
Struggling to pay your bill23.8%
Advertising and marketing, including promotional offers11.9%
Problem when making payments11.9%
Problem with fraud alerts or security freezes11.9%

How the company responded

Company responseComplaintsShare
Closed with explanation3669.2%
Closed with non-monetary relief1630.8%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
Florida1019.2%
California611.5%
Texas611.5%
Alabama35.8%
Illinois35.8%
Nevada35.8%
Georgia23.8%
Kentucky23.8%
Maryland23.8%
New Jersey23.8%
Ohio23.8%
Pennsylvania23.8%
Arizona11.9%
Louisiana11.9%
Michigan11.9%
Missouri11.9%
North Carolina11.9%
New York11.9%
South Carolina11.9%
Tennessee11.9%
Virginia11.9%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
October 23, 2026Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
October 22, 2026Credit cardOther features, terms, or problemsClosed with non-monetary reliefconsumerfinance.gov
September 25, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
September 14, 2026Credit cardProblem when making paymentsClosed with non-monetary reliefconsumerfinance.gov
August 30, 2026Credit cardGetting a credit cardClosed with non-monetary reliefconsumerfinance.gov
July 25, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
June 17, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
June 14, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
June 6, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
June 4, 2026Credit cardImproper use of your reportClosed with non-monetary reliefconsumerfinance.gov
May 28, 2026Credit cardProblem with a purchase shown on your statementClosed with non-monetary reliefconsumerfinance.gov
April 9, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
February 22, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
February 12, 2026Credit cardIncorrect information on your reportClosed with explanationconsumerfinance.gov
January 28, 2026Credit cardIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
January 26, 2026Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
December 22, 2025Credit cardProblem with fraud alerts or security freezesClosed with non-monetary reliefconsumerfinance.gov
December 16, 2025Credit cardProblem with a purchase shown on your statementClosed with explanationconsumerfinance.gov
December 14, 2025Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
November 15, 2025Credit cardAdvertising and marketing, including promotional offersClosed with non-monetary reliefconsumerfinance.gov
October 28, 2025Credit cardIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
September 29, 2025Credit cardProblem with a company's investigation into an existing problemClosed with non-monetary reliefconsumerfinance.gov
September 22, 2025Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
August 17, 2025Credit cardImproper use of your reportClosed with explanationconsumerfinance.gov
August 15, 2025Credit cardStruggling to pay your billClosed 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.