What is the most common complaint against Live Oak Financial, Inc?

The most common issue consumers report about Live Oak Financial, Inc is "Attempts to collect debt not owed", specifically "Attempted to collect wrong amount". This is based on 28 complaints filed with the CFPB.

Are complaints against Live Oak Financial, Inc increasing or decreasing?

Complaints against Live Oak Financial, Inc are rising. The company received 23 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Live Oak Financial, Inc's reputation grade?

Live Oak Financial, Inc has a reputation grade of F (score: 42.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Live Oak Financial, Inc respond to consumer complaints?

Live Oak Financial, Inc has a 60% timely response rate to CFPB complaints.

In how many states does Live Oak Financial, Inc operate?

Live Oak Financial, Inc has received CFPB complaints from consumers in 7 states, with the most complaints from Georgia (21 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Live Oak Financial, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

12
Written notification about debt

4
False statements or representation

4
Took or threatened to take negative or legal action

3
Threatened to contact someone or share information improperly

2
Electronic communications

2

Data updated September 2026

CFPB complaint disposition

CCDB record live-oak-financial-inc Live Oak Financial, Inc

Grade F · 28 CFPB filings · 60% timely · lead issue: Attempts to collect debt not owed · vol #1596 · compose #4852

VOL 28
GRADE F
12MO 23
STATES 7
TIMELY 60%
ISSUE Attempts to collect debt n…
RANK #1,596
COMPOSE #4,852

Volume peers

Nearest volume peer: Access Capital Services, Inc. (28 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Live Oak Financial, Inc's 28 CFPB complaints sit next to Access Capital Services, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

75.0% of Live Oak Financial, Inc's CFPB filings land in Georgia

High volume does not equal a clean composite: Live Oak Financial, Inc is volume #1,596 but composite #4,852, while Georgia dominates the geography. Corpus placement method.

Dominant state: Georgia 75.0%; 21 of 28 filings · 7 states touched
Seasonal peak: 2017-11 10.0%; 8–15% band · 3 filings
Divergent corpus ranks: #1,596 volume; #4,852 composite; Cleanest-composite ladder is 3,256 places worse than volume

How does Live Oak Financial, Inc compare to its peers?

How does Live Oak Financial, Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Live Oak Financial, In… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

60%

89%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-11 2026-01

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	12
Written notification about debt	4
False statements or representation	4
Took or threatened to take negative or legal action	3
Threatened to contact someone or share information improperly	2
Electronic communications	2
Communication tactics	1

Where do complaints against Live Oak Financial, Inc come from?

Live Oak Financial, Inc's own per-state count, not a national baseline.

Georgia

21
Alabama

2
Florida

1
Nevada

1
Oklahoma

1
South Carolina

1
Virginia

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Live Oak Financial, Inc: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 28.

4 peers

Know your rights before responding to Live Oak Financial, Inc: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.