Spring Oaks Capital, LLC
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt
CFPB collection forwarding receipt
Forwarded record DC-SPRING-OAKS-CAPITA Spring Oaks Capital, LLC
5,842 DC complaints · rank #16/656 · 99.8% timely
- DC 5,842
- RANK #16/656
- TIMELY 99.8%
- RELIEF 43.2%
- DISPUTE n/a
- STATES 52
- ISSUE Attempts to collect debt no…
- RESP Closed with explanation
- PHOTO Radius Global Solutions LLC
Volume peers
Photo peer: Radius Global Solutions LLC (5,834)
Spring Oaks Capital, LLC's 5,842 debt-collection complaints sit next to Radius Global Solutions LLC (5,834) on the volume neighbourhood; peer NAMES stay, and the receipt VALUES are this collector's. Full complaint profile for Spring Oaks Capital, LLC →
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Complaints by Year
| Year | Complaints |
|---|---|
| 2020 | 6 |
| 2021 | 128 |
| 2022 | 453 |
| 2023 | 673 |
| 2024 | 1,651 |
| 2025 | 3,813 |
| 2026 | 1,252 |
Complaints by State (Top 15)
What the CFPB Record Shows for Spring Oaks Capital, LLC
Spring Oaks Capital, LLC sits at #16 of 656 debt collectors in this extract by debt-collection complaint volume (98th percentile), the same ordering shown on /collectors. The CFPB has logged 5,842 debt-collection complaints against Spring Oaks Capital, LLC, 73.2% of the 7,976 complaints filed against this entity overall. Consumers in 52 states and territories have filed reports, putting this collection operation in nationwide territory by complaint volume. Consumers most frequently describe "Credit card debt" as the debt type behind their complaint about this collector. The specific issue named most is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction with this collector.
The company's timely response rate is 99.8%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That clears the industry benchmark, a sign the intake process is functioning on schedule. Among resolved cases, 43.2% ended with monetary or non-monetary relief to the consumer - a relatively high rate for this segment.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Full complaint profile for Spring Oaks Capital, LLC → · All debt collectors →
Nationwide collectors with similar complaint volume or dispute rates
Two CFPB peer sets for Spring Oaks Capital, LLC: nearest debt collectors by debt-collection complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the volume strip on the forwarding receipt above.
Similar complaint volume
Nearest collectors by debt-collection complaint count (5,842 here).
Frequently asked questions
How many CFPB debt-collection complaints does Spring Oaks Capital, LLC have?
The CFPB extract lists 5,842 debt-collection complaints against Spring Oaks Capital, LLC (#16 of 656 collectors by volume).
Does Spring Oaks Capital, LLC respond to CFPB complaints on time?
Spring Oaks Capital, LLC's timely response rate on CFPB complaints is 99.8%.
What issue do consumers cite most about Spring Oaks Capital, LLC?
"Attempts to collect debt not owed" is the leading issue tag on Spring Oaks Capital, LLC's CFPB complaint record.
How should I read Spring Oaks Capital, LLC's CFPB complaint record?
Spring Oaks Capital, LLC's profile is a CFPB data extract for research. For rights and filing mechanics, use the debt-collection rights and how-to-file-CFPB-complaint guides on this site.
Related guides: Debt collection rights · How to file a CFPB complaint · Reading CFPB complaint data
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.