Spring Oaks Capital, LLC
9.7K 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.
Spring Oaks Capital, LLC complaint mix by product
- Debt collection 7K 74.7% – 50% relief
- Credit reporting 2K 21.0% – 39% relief
- Credit reporting, 322 3.3% – 2% relief
- Credit card 46 0.5% – 26% relief
- Payday loan, 33 0.3% – 27% relief
- Credit card 11 0.1% – 0% relief
- Payday loan, 8 0.1% – 13% relief
How Spring Oaks Capital, LLC's 9.7K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 7.3K |
| Credit reporting or other personal consumer reports | 2.0K |
| Credit reporting, credit repair services, or other personal consumer reports | 322 |
| Credit card | 46 |
| Payday loan, title loan, personal loan, or advance loan | 33 |
| Credit card or prepaid card | 11 |
| Payday loan, title loan, or personal loan | 8 |
| Debt or credit management | 7 |
| Vehicle loan or lease | 4 |
| Checking or savings account | 2 |
| Prepaid card | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 1.7K |
| GA | 1.1K |
| FL | 1.1K |
| SC | 595 |
| CA | 521 |
| AL | 441 |
| IL | 411 |
| NY | 356 |
| LA | 351 |
| TN | 318 |
| PA | 256 |
| OH | 233 |
| MI | 201 |
| NJ | 198 |
| VA | 177 |
| MD | 166 |
| MS | 136 |
| MO | 135 |
| AZ | 134 |
| NC | 125 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 3.6K |
| Took or threatened to take negative or legal action | 1.2K |
| Written notification about debt | 1.2K |
| Incorrect information on your report | 1.1K |
| False statements or representation | 877 |
| Improper use of your report | 640 |
| Problem with a company's investigation into an existing problem | 506 |
| Communication tactics | 228 |
| Electronic communications | 118 |
| Problem with a credit reporting company's investigation into an existing problem | 82 |
| Threatened to contact someone or share information improperly | 36 |
| Getting a credit card | 17 |
| Credit monitoring or identity theft protection services | 13 |
| Charged fees or interest you didn't expect | 11 |
| Problem with fraud alerts or security freezes | 8 |
| Struggling to pay your loan | 7 |
| Other features, terms, or problems | 6 |
| Problem with a purchase shown on your statement | 5 |
| Problem with a company's investigation into an existing issue | 3 |
| Problem with the payoff process at the end of the loan | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2020 | 6 | 100% |
| 2021 | 128 | 100% |
| 2022 | 453 | 99.8% |
| 2023 | 673 | 99.6% |
| 2024 | 1.7K | 99.3% |
| 2025 | 3.8K | 100% |
| 2026 | 3.0K | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Spring Oaks Capital, LLC
Spring Oaks Capital, LLC's 9,732 logged complaints reach a nationwide footprint - 54 states have at least one filing on record. Only 28.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2020 through 2026-06-26.
Spring Oaks Capital, LLC answers 99.8% of complaints inside the CFPB's tracked window and closes 52.6% with a written explanation. 45.8% 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 Spring Oaks 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 Spring Oaks Capital, LLC have?
9,732, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Spring Oaks Capital, LLC respond to complaints on time?
99.8% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Spring Oaks Capital, LLC?
"Attempts to collect debt not owed", 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.