CFPB · Single-product concentration
Oak Harbor Capital, LLC
19 CFPB complaints · 84.2% in "Debt collection" · top issue Taking/threatening an illegal action.
Oak Harbor Capital, LLC: 84.2% of 19 CFPB complaints sit in "Debt collection". Timely 78.9% · relief 5.3%. Allegations, not findings.
- Single-product concentration
- -50% filings 2014 to 2026
CFPB relief outcome brief
CCDB company oak-harbor-capital-llc
5.3% relief · 78.9% timely · 19 filings · Debt collection
Same-product relief peers
Nearest relief peer: Mountain Land Collections, Inc. (5.3% relief)
Oak Harbor Capital, LLC closes 5.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Oak Harbor Capital, LLC's 19 filings include narrative text
47.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
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 |
Concentrated filing states for Oak Harbor Capital, LLC
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 78.9% of this company's filings
Oak Harbor Capital, LLC falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -50% vs 2014
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
Oak Harbor Capital, LLC filings cluster in one product
Oak Harbor Capital, LLC's 19 logged complaints stay concentrated: only 5 states show a filing. 47.4% of filings carry a written consumer narrative, 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Oak Harbor Capital, LLC: 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: 19.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 78.9%.
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 Oak Harbor Capital, LLC (78.9% timely; 5.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration