Spring Oaks Capital, LLC
Sourced from the CFPB Consumer Complaint Database.
Debt Collector, CFPB Complaint Profile Specializes in: Credit card debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
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)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Spring Oaks Capital, LLC
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.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Spring Oaks Capital, LLC have?
The CFPB has logged 5,842 debt-collection complaints against Spring Oaks Capital, LLC, 73.2% of all complaints filed against this company.
Does Spring Oaks Capital, LLC respond to complaints on time?
Spring Oaks Capital, LLC has a 99.8% timely response rate. This is considered excellent.
Does Spring Oaks Capital, LLC provide relief to consumers?
Of resolved complaints against Spring Oaks Capital, LLC, 43.2% ended with consumer relief of some kind. This is a relatively high relief rate.
What type of debt does Spring Oaks Capital, LLC primarily collect?
Spring Oaks Capital, LLC primarily collects "Credit card debt" based on CFPB complaint data. The full breakdown of debt types is shown above.
What rights do I have against Spring Oaks Capital, LLC?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Spring Oaks Capital, LLC active?
Spring Oaks Capital, LLC has received consumer complaints from 52 states and territories, based on CFPB 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.