CFPB Consumer Complaint Profile
Oak Harbor Capital, LLC
What 18 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 18
- Total complaints
- Below average
- 1
- Last 12 months
- 83.3%
- Timely response
- Bottom quartile
- 5
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Oak Harbor Capital, LLC sits at #3004, with 18 complaints logged. It posts a 83.3% on-time response rate, the 11th percentile among companies with 100+ complaints.
- #3004
- of 3,843 companies by volume
- 83.3%
- on time (11th pctile)
- Debt collection
- most-complained product
- 5
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Oak Harbor Capital, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
83.3% Among the lowest higher than 11% 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 |
|---|---|
| 2014 | 2 |
| 2015 | 2 |
| 2016 | 6 |
| 2017 | 2 |
| 2018 | 1 |
| 2019 | 2 |
| 2022 | 1 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Oak Harbor Capital, LLC
The CFPB Consumer Complaint Database has logged 18 complaints against Oak Harbor Capital, LLC overall, with 1 of those filed in the trailing 12 months. Reports have come from consumers in 5 states and territories, making this a geographically concentrated complaint footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Taking/threatening an illegal action," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Oak Harbor Capital, LLC draw a 83.3% reply rate inside the Bureau's 15-day window. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. The company's response carried a 63.6% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 5.6% rate.
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 Oak Harbor Capital, LLC have?
The CFPB has logged 18 complaints against Oak Harbor Capital, LLC to date, of which 1 came in over the last 12 months.
Does Oak Harbor Capital, LLC respond to complaints on time?
Oak Harbor Capital, LLC's CFPB timely-response rate is 83.3%.
What product generates the most complaints for Oak Harbor Capital, LLC?
Among all products tied to Oak Harbor Capital, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Oak Harbor Capital, LLC?
"Taking/threatening an illegal action" is the single most frequently cited issue in complaints against Oak Harbor Capital, LLC - see all issues and counts above.
How do I file a complaint against Oak Harbor Capital, LLC?
You can file a complaint against Oak Harbor Capital, LLC 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 Oak Harbor Capital, LLC?
Oak Harbor Capital, LLC has drawn CFPB complaints from 5 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Oak Harbor Capital, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (63.6% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Oak Harbor Capital, LLC have?
The CFPB has logged 18 complaints against Oak Harbor Capital, LLC to date, of which 1 came in over the last 12 months.
Does Oak Harbor Capital, LLC respond to complaints on time?
Oak Harbor Capital, LLC's CFPB timely-response rate is 83.3%.
What product generates the most complaints for Oak Harbor Capital, LLC?
Among all products tied to Oak Harbor Capital, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Oak Harbor Capital, LLC?
"Taking/threatening an illegal action" is the single most frequently cited issue in complaints against Oak Harbor Capital, LLC - see all issues and counts above.
How do I file a complaint against Oak Harbor Capital, LLC?
You can file a complaint against Oak Harbor Capital, LLC 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 Oak Harbor Capital, LLC?
Oak Harbor Capital, LLC has drawn CFPB complaints from 5 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.