CFPB · Higher closed-with-relief share
Spring Oaks Capital, LLC
9.7K CFPB complaints · 45.8% relief (high band) · top issue Attempts to collect debt not owed.
Spring Oaks Capital, LLC closes 45.8% with relief (upper third) on 9.7K filings. Timely 99.8% · top product Debt collection. Allegations, not findings.
- Volume rank #66 of 342
- Higher closed-with-relief share
- +50033.3% filings 2020 to 2026
CFPB relief outcome brief
CCDB company spring-oaks-capital-llc
45.8% relief · 99.8% timely · 9.7K filings · Debt collection
Same-product relief peers
Nearest relief peer: The CBE Group, Inc. (45.5% relief)
Spring Oaks Capital, LLC closes 45.8% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 9.7K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
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
Heavy-volume mix: how Spring Oaks Capital, LLC's 9.7K complaints split across CFPB product categories. Resolution badge = % closed with 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 |
Nationwide filing states for Spring Oaks Capital, LLC
Top states by attributed volume, heavy-filing company
- Leading state
- TX
- 17.8% of this company's filings
Spring Oaks Capital, LLC rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 3.0K
- +50033.3% vs 2020
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
Spring Oaks Capital, LLC in the higher-relief third
Spring Oaks Capital, LLC's 9,732 logged complaints reach a nationwide footprint - 54 states have at least one filing. Only 28.7% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2020 through 2026-06-26. Closed-with-relief 45.8% sits in the upper third of the corpus.
Spring Oaks Capital, LLC closes 45.8% with monetary or non-monetary relief and answers 99.8% inside the CFPB window; 52.6% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Spring Oaks 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: 9.7K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.8%.
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 Spring Oaks Capital, LLC (#66 of 342; 99.8% timely; 45.8% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Higher closed-with-relief share