Spring Oaks Capital — CFPB Complaint Data
Data source: CFPB Consumer Complaint Database. Data current as of September 22, 2026. View the live CFPB record.
A CFPB complaint means a consumer submitted a complaint against Spring Oaks Capital and the company was given a chance to respond — it isn't a lawsuit, a fine, or a verified finding that the company did something wrong. Raw complaint counts also aren't adjusted for company size: a large national company will show more complaints than a small one even if it handles a lower share of its accounts poorly.
56% of Spring Oaks Capital's complaints on record are about "attempts to collect debt not owed" — the single most common issue category.
Have a problem with Spring Oaks Capital?
A CFPB complaint is free, takes about 10 minutes, and generally requires Spring Oaks Capital to respond within 15 days. Before you file: attach documents (statements, letters, screenshots), be specific about the product and problem, and state exactly what resolution you want.
Top complaint issues
The specific problems people reported, most common first.
- Attempts to collect debt not owed — what to do663
- Took or threatened to take negative or legal action — what to do272
- Written notification about debt — what to do126
- False statements or representation85
- Communication tactics — what to do18
Complaint trend (monthly)
State distribution
Where complaints against Spring Oaks Capital are coming from.