Oak Harbor Capital, LLC
19 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Oak Harbor Capital, LLC complaint mix by product
- Debt collection 16 84.2% – 6% relief
- Mortgage 2 10.5% – 0% relief
- Vehicle loan 1 5.3% – 0% relief
How Oak Harbor Capital, LLC's 19 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 16 |
| Mortgage | 2 |
| Vehicle loan or lease | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 15 |
| OR | 1 |
| NY | 1 |
| FL | 1 |
| ID | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Taking/threatening an illegal action | 4 |
| False statements or representation | 4 |
| Cont'd attempts collect debt not owed | 3 |
| Took or threatened to take negative or legal action | 2 |
| Attempts to collect debt not owed | 2 |
| Disclosure verification of debt | 1 |
| Loan modification,collection,foreclosure | 1 |
| Trouble during payment process | 1 |
| Problems at the end of the loan or lease | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 2 | 100% |
| 2015 | 2 | 100% |
| 2016 | 6 | 100% |
| 2017 | 2 | 100% |
| 2018 | 1 | 100% |
| 2019 | 2 | 100% |
| 2022 | 1 | 0% |
| 2025 | 2 | 0% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Oak Harbor Capital, LLC
Oak Harbor Capital, LLC's 19 logged complaints stay concentrated: only 5 states show a filing on record. 47.4% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2014 through 2026-04-15.
Oak Harbor Capital, LLC answers 78.9% of complaints inside the CFPB's tracked window and closes 94.7% with a written explanation. 5.3% 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 "Taking/threatening an illegal action."
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 Oak Harbor Capital, LLC.
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.
Frequently Asked Questions
How many CFPB complaints does Oak Harbor Capital, LLC have?
19, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Oak Harbor Capital, LLC respond to complaints on time?
78.9% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Oak Harbor Capital, LLC?
"Taking/threatening an illegal action", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.