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.
- 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 →
Response Quality Score
Spring Oaks Capital, LLC scores strongest on relief provided (100/100 percentile-benchmarked) and weakest on closed with explanation (13/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
100 / 100 percentile-benchmarked
45.8% of complaints closed with relief to the consumer
Timely response
100 / 100 percentile-benchmarked
99.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
13 / 100 percentile-benchmarked
52.6% of complaints closed with an explanation to the consumer
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
Volume vs. relief
Where Spring Oaks Capital, LLC sits on volume vs. relief
Among the 342 companies large enough to be indexed on PlainComplaint, Spring Oaks Capital, LLC files more complaint volume than 81% of them, and closes complaints with relief more often than 97% of them, placing it in the quadrant for high volume, above-average relief. Complaint volume and relief rate are independent figures: a high-volume company can still resolve most complaints, and a low-volume one can resolve few.
Total complaints: 9,732 · Closed with relief: 45.8%
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