CFPB · Mid-pack CFPB posture
Oak Tree Financial Inc.
8 CFPB complaints · 4 states · top issue Getting a loan or lease.
Oak Tree Financial Inc. has 8 consumer complaints in the CFPB public database. Timely response is 12.5%; 0% closed with relief; top product Debt collection. Allegations, not regulatory findings.
- Mid-pack CFPB posture
- -50% filings 2018 to 2026
CFPB relief outcome brief
CCDB company oak-tree-financial-inc
0% relief · 12.5% timely · 8 filings · Debt collection
Same-product relief peers
Nearest relief peer: Transworld Systems Inc (0% relief)
Oak Tree Financial Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Oak Tree Financial Inc. complaint mix by product
- Debt collection 5 62.5% – 0% relief
- Vehicle loan 3 37.5% – 0% relief
How Oak Tree Financial Inc.'s 8 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 5 |
| Vehicle loan or lease | 3 |
Concentrated filing states for Oak Tree Financial Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- NC
- 50% of this company's filings
Oak Tree Financial Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 1
- -50% vs 2018
Top States
| State | Complaints |
|---|---|
| NC | 4 |
| NY | 1 |
| NJ | 1 |
| IL | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Getting a loan or lease | 2 |
| Took or threatened to take negative or legal action | 2 |
| Communication tactics | 1 |
| False statements or representation | 1 |
| Attempts to collect debt not owed | 1 |
| Struggling to pay your loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2018 | 2 | 50% |
| 2020 | 1 | 0% |
| 2024 | 1 | 0% |
| 2025 | 3 | 0% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
What the CFPB record shows about Oak Tree Financial Inc.
Oak Tree Financial Inc.'s 8 logged complaints stay concentrated: only 4 states show a filing. Only 25% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2018 through 2026-06-01.
Oak Tree Financial Inc. answers 12.5% of complaints inside the CFPB's tracked window and closes 12.5% 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 "Getting a loan or lease."
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 Tree Financial Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Oak Tree 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: 8.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 12.5%.
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 Tree Financial Inc. (12.5% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture