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 2026-08-14
- 7,976
- Total complaints
- Among the highest
- 4,296
- Last 12 months
- 99.8%
- Timely response
- Top decile
- 52
- States affected
The verdict
Among 3,843 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%, the 79th percentile among companies with 100+ complaints.
- #75
- of 3,843 companies by volume
- 99.8%
- on time (79th pctile)
- Debt collection
- most-complained product
- 52
- 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.
Spring Oaks Capital, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.8% Top 21% higher than 79% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 1,651 in 2024 to 3,813 in 2025 (2024 → 2025).
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 |
| 2026year in progress | 1,252 |
Complaints by State (Top 15)
Company Responses
Spring Oaks Capital, LLC Complaint Concentration Profile
Spring Oaks Capital, LLC is a high-volume CFPB cohort (7,976 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 26 named product lines in the stored breakdown, the leading three (Debt collection, Credit reporting or other personal consumer reports, Debt collection) hold a 85.4% share of product-tagged complaints. The Herfindahl index on that product mix is 0.322 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Attempts to collect debt not owed, Written notification about debt, Incorrect information on your report) cover a 59.8% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Texas, Georgia, Florida) hold a 39.9% share of state-tagged volume across 52 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 56.5% share among the 7,976 response-tagged complaints (4,503 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (3,813 complaints); the lightest year on file was 2020 (6). From 2024 to 2025, annual volume rose 131.0% (1,651 → 3,813). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
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, the consumer-relief closure rate is 43.2%.
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 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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Spring Oaks 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 complaint volume
Nearest companies by total CFPB complaint count (7,976 here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.