Total complaints
11
Filed since 2014
2026 data Public-data reference. official source
Oak Harbor Capital, LLC
11 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
11 consumer complaints filed with the CFPB
This profile shows Oak Harbor Capital, LLC's complaint history from CFPB public records. 11 consumers have filed complaints since 2014. The company has a 81.8% timely response rate and has provided relief in 9.1% of cases.
11
Total Complaints
81.8%
Timely Response
36.4%
Disputed
9.1%
Relief Provided
5
States Active
2014
Since
Timely response
81.8%
CFPB-tracked response window
Relief rate
9.1%
Closed with monetary or non-monetary relief
Timely response rate 81.8%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 9.1%
Industry median
Share closed with monetary or non-monetary relief.
Oak Harbor Capital, LLC complaint mix by product
- Debt collection 8 72.7% – 13% relief
- Mortgage 2 18.2% – 0% relief
- Vehicle loan 1 9.1% – 0% relief
How Oak Harbor Capital, LLC's 11 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 8 |
| Mortgage | 2 |
| Vehicle loan or lease | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 7 |
| FL | 1 |
| OR | 1 |
| ID | 1 |
| NY | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Taking/threatening an illegal action | 2 |
| Took or threatened to take negative or legal action | 2 |
| False statements or representation | 2 |
| Trouble during payment process | 1 |
| Cont'd attempts collect debt not owed | 1 |
| Problems at the end of the loan or lease | 1 |
| Loan modification,collection,foreclosure | 1 |
| Disclosure verification of debt | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 2 | 100% |
| 2015 | 2 | 100% |
| 2016 | 2 | 100% |
| 2017 | 1 | 100% |
| 2018 | 1 | 100% |
| 2019 | 1 | 100% |
| 2022 | 1 | 0% |
| 2025 | 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 has accumulated 11 consumer complaints in the CFPB public database, with filings active across 5 U.S. states. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2014, and the most recent logged activity is 2025-03-07, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, Oak Harbor Capital, LLC reports a 81.8% timely-response rate and has closed 90.9% of cases with a written explanation to the consumer. 9.1% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 36.4% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Debt collection", and the single most common underlying issue is "Taking/threatening an illegal action".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating Oak Harbor Capital, LLC: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
Consumer Guides
Learn more about your rights and how to interpret complaint data.
Related Data
Explore additional financial data about companies, lenders, and institutions on our partner portals.
PlainBankData
Bank financial data — deposits, assets, branches, and regulatory filings for FDIC-insured institutions.
PlainAdvisorCheck
Financial advisor records — SEC and FINRA registration, disclosures, and disciplinary history.
PlainCU
Credit union data — financial performance, membership, rates, and NCUA regulatory information.
PlainInsurer
Insurance company data — financial strength, complaint ratios, market share, and state licensing.
PlainLender
Mortgage lender data — HMDA loan originations, approval rates, interest rates, and lending patterns.
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?
Oak Harbor Capital, LLC has received 11 consumer complaints filed with the Consumer Financial Protection Bureau.
Does Oak Harbor Capital, LLC respond to complaints on time?
Oak Harbor Capital, LLC has a 81.8% timely response rate to CFPB complaints.
What is the most common complaint about Oak Harbor Capital, LLC?
The most common issue reported against Oak Harbor Capital, LLC is "Taking/threatening an illegal action" in the "Debt collection" product category.
Read our methodology — how this data is sourced, computed, and verified.
Related
