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Data / Consumer complaints / Spring Oaks Capital, LLC / Debt collection

Spring Oaks Capital, LLC: 8,143 CFPB complaints about debt collection, last 3 years

Spring Oaks Capital, LLC drew 8,143 consumer complaints about debt collection in the CFPB database in the three years to November 6, 2026, 77.4% of its 10,514 complaints in that time. The most common issue was “Attempts to collect debt not owed”. The company responded on time to 99.9% of them, and 54.9% closed with monetary or other relief.

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.

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  • 8,143Complaints, last 3 years
  • 77.4%Share of the company's complaints
  • 99.9%Responded on time
  • 54.9%Closed with relief
  • Oct 30, 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, 20264,66257.3%
12 months to Nov 6, 20252,49730.7%
12 months to Nov 6, 202498412.1%

Issues

IssueComplaintsShare
Attempts to collect debt not owed4,15751%
Took or threatened to take negative or legal action1,49718.4%
Written notification about debt1,18914.6%
False statements or representation94111.6%
Communication tactics1952.4%
Electronic communications1271.6%
Threatened to contact someone or share information improperly370.5%

How the company responded

Company responseComplaintsShare
Closed with non-monetary relief4,47154.9%
Closed with explanation3,63644.7%
In progress350.4%
Closed with monetary relief10.1%

States

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

StateComplaintsShare
Texas1,69120.8%
Georgia96611.9%
Florida7959.8%
South Carolina5386.6%
Alabama4045%
California3704.5%
Louisiana3694.5%
Illinois3153.9%
New York2473%
Tennessee2282.8%
Mississippi1952.4%
Ohio1832.2%
Pennsylvania1592%
Michigan1461.8%
Virginia1451.8%
New Jersey1311.6%
Arizona1291.6%
Maryland1151.4%
Missouri1011.2%
Indiana991.2%
North Carolina891.1%
Oklahoma821%
Washington690.8%
Wisconsin630.8%
Arkansas570.7%

Latest 25 complaints

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

ReceivedProductIssueCompany responseSource
October 30, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 29, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 29, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 29, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 29, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 29, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 29, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 28, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 28, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 27, 2026Debt collectionAttempts to collect debt not owedClosed with non-monetary reliefconsumerfinance.gov
October 27, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov

Also on SpecStream

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.