CFPB Consumer Complaint Profile
Live Oak Financial, Inc
29 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 29
- Total complaints
- Mid-range
- 27
- Last 12 months
- 51.7%
- Timely response
- Bottom decile
- 6
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Live Oak Financial, Inc sits at #2382, with 29 complaints logged. It posts a 51.7% on-time response rate, the 3rd percentile among companies with 100+ complaints.
- #2382
- of 3,843 companies by volume
- 51.7%
- on time (3rd pctile)
- Debt collection
- most-complained product
- 6
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Live Oak Financial, Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
51.7% Among the lowest higher than 3% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2025 | 21 |
| 2026year in progress | 8 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Live Oak Financial, Inc
29 complaints against Live Oak Financial, Inc appear in the CFPB record, including 27 from the trailing year. The 6 states and territories represented put this footprint in geographically concentrated territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. The specific issue named most within that category is "Attempts to collect debt not owed," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Live Oak Financial, Inc draw a 51.7% reply rate inside the Bureau's 15-day window. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Among resolved complaints, the consumer-relief closure rate is 0%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Live Oak Financial, Inc have?
The CFPB has logged 29 complaints against Live Oak Financial, Inc to date, of which 27 came in over the last 12 months.
Does Live Oak Financial, Inc respond to complaints on time?
CFPB complaints against Live Oak Financial, Inc draw a 51.7% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Live Oak Financial, Inc?
Among all products tied to Live Oak Financial, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Live Oak Financial, Inc?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Live Oak Financial, Inc - see all issues and counts above.
How do I file a complaint against Live Oak Financial, Inc?
You can file a complaint against Live Oak Financial, Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Live Oak Financial, Inc?
The CFPB has recorded complaints against Live Oak Financial, Inc from 6 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Live Oak Financial, Inc have?
The CFPB has logged 29 complaints against Live Oak Financial, Inc to date, of which 27 came in over the last 12 months.
Does Live Oak Financial, Inc respond to complaints on time?
CFPB complaints against Live Oak Financial, Inc draw a 51.7% timely-response rate inside the expected window. That falls well short of the 95% benchmark most companies clear.
What product generates the most complaints for Live Oak Financial, Inc?
Among all products tied to Live Oak Financial, Inc, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Live Oak Financial, Inc?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against Live Oak Financial, Inc - see all issues and counts above.
How do I file a complaint against Live Oak Financial, Inc?
You can file a complaint against Live Oak Financial, Inc directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Live Oak Financial, Inc?
The CFPB has recorded complaints against Live Oak Financial, Inc from 6 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.