CFPB Consumer Complaint Profile
Spring Oaks Capital, LLC
7,976 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-05-15
- 7,976
- Total complaints
- 4,296
- Last 12 months
- 99.8%
- Timely response
- 52
- States affected
The verdict
Among 3,848 financial companies tracked by CFPB complaint volume, Spring Oaks Capital, LLC sits at #75, with 7,976 complaints logged. Its on-time response rate is 99.8%, ahead of the 93% median among companies with 100+ complaints.
- #75
- of 3,848 companies by volume
- 99.8%
- answered on time
- Debt collection
- most-complained product
- 52
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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)
Company Responses
What the CFPB Complaint Record Shows for Spring Oaks Capital, LLC
Spring Oaks Capital, LLC carries 7,976 complaints in the CFPB's database, 4,296 of them filed within the past 12 months. Consumers spanning 52 states and territories have weighed in, giving this a nationwide footprint. 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.
Spring Oaks Capital, LLC's timely response rate stands at 99.8%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Among resolved complaints, 43.2% closed with the consumer receiving monetary or non-monetary relief.
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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
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 Spring Oaks Capital, LLC have?
The CFPB has logged 7,976 complaints against Spring Oaks Capital, LLC to date, of which 4,296 came in over the last 12 months.
Does Spring Oaks Capital, LLC respond to complaints on time?
Spring Oaks Capital, LLC has a 99.8% timely response rate to CFPB complaints. This is considered excellent.
What product generates the most complaints for Spring Oaks Capital, LLC?
Among all products tied to Spring Oaks Capital, LLC, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Spring Oaks Capital, LLC?
Consumers most often cite "Attempts to collect debt not owed" when complaining about Spring Oaks Capital, LLC; the full issue list with counts is above.
How do I file a complaint against Spring Oaks Capital, LLC?
You can file a complaint against Spring Oaks 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 Spring Oaks Capital, LLC?
Consumers in 52 states and territories have filed complaints about Spring Oaks Capital, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~7,976)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.