Spring Oaks Capital, LLC Consumer Complaints
Spring Oaks Capital, LLC has received 9,160 consumer complaints filed with the Consumer Financial Protection Bureau. Below is a complete breakdown by product, issue, company response pattern, and geographic distribution.
Data last updated: Jun 1, 2026Key Takeaways
- 9,160 total complaints on file with the CFPB.
- Most complaints are about Debt collection (6,793).
- Timely response rate: 99.8%.
- Consumer disputed rate: 0.0% of resolved complaints.
Complaints by Product
The following table shows how complaints against Spring Oaks Capital, LLC break down by financial product category.
| Product | Complaints | % of Total |
|---|---|---|
| Debt collection | 6,793 | 74.2% |
| Credit reporting or other personal consumer reports | 1,938 | 21.2% |
| Credit reporting, credit repair services, or other personal consumer reports | 322 | 3.5% |
| Credit card | 43 | 0.5% |
| Payday loan, title loan, personal loan, or advance loan | 32 | 0.3% |
| Credit card or prepaid card | 11 | 0.1% |
| Payday loan, title loan, or personal loan | 8 | 0.1% |
| Debt or credit management | 6 | 0.1% |
| Vehicle loan or lease | 4 | 0.0% |
| Checking or savings account | 2 | 0.0% |
| Prepaid card | 1 | 0.0% |
Most Common Issues
These are the specific issues consumers most frequently report about Spring Oaks Capital, LLC.
Company Response Breakdown
When consumers file complaints, Spring Oaks Capital, LLC responds in one of several ways. The breakdown below shows how Spring Oaks Capital, LLC has resolved complaints.
| Response | Count | Percentage |
|---|---|---|
| Closed with explanation | 4,903 | 53.5% |
| Closed with non-monetary relief | 4,226 | 46.1% |
| In progress | 31 | 0.3% |
Complaints by State
Top states where consumers have filed complaints against Spring Oaks Capital, LLC.
| State | Complaints |
|---|---|
| Texas | 1,606 |
| Georgia | 1,077 |
| Florida | 1,024 |
| South Carolina | 557 |
| California | 496 |
| Alabama | 403 |
| Illinois | 380 |
| New York | 339 |
| Louisiana | 323 |
| Tennessee | 303 |
| Pennsylvania | 244 |
| Ohio | 224 |
| New Jersey | 187 |
| Michigan | 185 |
| Virginia | 170 |
| Maryland | 158 |
| Missouri | 128 |
| Mississippi | 125 |
| Arizona | 121 |
| Indiana | 118 |
Your Rights
What to do if you have a complaint against Spring Oaks Capital, LLC
- Contact Spring Oaks Capital, LLC directly. Many issues can be resolved by calling their customer service line or submitting a written complaint.
- File a complaint with the CFPB. Visit consumerfinance.gov/complaint. The company must respond within 15 days.
- File with your state attorney general. Your state AG's consumer protection division investigates patterns of complaint.
- Consult a consumer protection attorney. If you've suffered financial harm, an attorney can advise you on your legal options including potential lawsuits.
Frequently Asked Questions
-
How many complaints does Spring Oaks Capital, LLC have?
Spring Oaks Capital, LLC has 9,160 consumer complaints on file with the CFPB as of our last data refresh.
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What is the most common complaint about Spring Oaks Capital, LLC?
The most common issue reported is Attempts to collect debt not owed with 3,335 complaints.
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How do I file a complaint against Spring Oaks Capital, LLC?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. The company is required to respond within 15 days. You can also contact your state attorney general or consult a consumer protection attorney.
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Does Spring Oaks Capital, LLC respond to complaints on time?
Spring Oaks Capital, LLC has a 99.8% timely response rate, meaning that percentage of complaints received a response within the CFPB's required timeframe.
Source: Consumer Financial Protection Bureau — Consumer Complaint Database. Accessed June 2026.