CFPB · Mid-pack CFPB posture
Live Oak Financial, Inc
42 CFPB complaints · 10 states · top issue Attempts to collect debt not owed.
Live Oak Financial, Inc has 42 consumer complaints in the CFPB public database. Timely response is 38.1%; 0% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- -17.4% filings 2025 to 2026
CFPB relief outcome brief
CCDB company live-oak-financial-inc
0% relief · 38.1% timely · 42 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Live Oak Financial, Inc closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Live Oak Financial, Inc scores 0/100 on relief provided, blended into one composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
0 / 100 percentile-benchmarked
38.1% of complaints answered inside the CFPB 15-day window
Closed with explanation
0 / 100 percentile-benchmarked
40.5% of complaints closed with an explanation to the consumer
How 42 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Live Oak Financial, Inc complaint mix by product
- Debt collection 29 69.0% – 0% relief
- Credit reporting 13 31.0% – 0% relief
How Live Oak Financial, Inc's 42 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 29 |
| Credit reporting or other personal consumer reports | 13 |
Concentrated filing states for Live Oak Financial, Inc
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 73.8% of this company's filings
Live Oak Financial, Inc falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 19
- -17.4% vs 2025
Top States
| State | Complaints |
|---|---|
| GA | 31 |
| AL | 3 |
| PA | 1 |
| VA | 1 |
| NV | 1 |
| TX | 1 |
| OK | 1 |
| FL | 1 |
| KY | 1 |
| SC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 12 |
| False statements or representation | 5 |
| Incorrect information on your report | 5 |
| Improper use of your report | 4 |
| Written notification about debt | 4 |
| Problem with a company's investigation into an existing problem | 4 |
| Took or threatened to take negative or legal action | 3 |
| Threatened to contact someone or share information improperly | 2 |
| Electronic communications | 2 |
| Communication tactics | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2025 | 23 | 65.2% |
| 2026 | 19 | 5.3% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Live Oak Financial, Inc
Live Oak Financial, Inc's 42 logged complaints stay concentrated: only 10 states show a filing. Only 16.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2025 through 2026-06-23.
Live Oak Financial, Inc answers 38.1% of complaints inside the CFPB's tracked window and closes 40.5% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Live Oak Financial, Inc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Live Oak Financial, Inc: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 42.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 38.1%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Live Oak Financial, Inc (38.1% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture