Total CFPB complaints
20
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 20 complaints
Live Oak Financial, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 5 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Live Oak Financial, Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
7 complaints
- False statements or representation
False statements or representation
4 complaints
- Written notification about debt
Written notification about debt
4 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
3 complaints
- Electronic communications 1
Electronic communications
1 complaints
- Threatened to contact someone or share information improperly 1
Threatened to contact someone or share information improperly
1 complaints
F
Grade F · 47.5/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Live Oak Financial, Inc?
Live Oak Financial, Inc has accumulated 20 total CFPB complaints across 5 states, with 18 filed in the most recent 12 months against 2 historical complaints before that window. The trailing-12-month volume represents 90.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Attempted to collect wrong amount", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 60% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 5 states, led by Georgia with 15 and Alabama with 2, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 47.5/100 places Live Oak Financial, Inc in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
18
90.0% of total history
Rising ↑
States active
5
Distinct state filings
Timely response rate
60%
Within CFPB SLA window
Reputation grade
F
47.5/100 composite
Response-quality profile
How Live Oak Financial, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 60.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 8.9%
Share of US states + territories with at least one filed complaint against this collector.
How does Live Oak Financial, Inc compare to its peers?
Live Oak Financial, In… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2025-01 2026-03
Top Consumer Issues
False statements or representation4 (%)
Attempts to collect debt not owed7 (%)
Took or threatened to take negative or legal action3 (%)
Written notification about debt4 (%)
Electronic communications1 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: False statements or representation — Attempted to collect wrong amount
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| False statements or representation | Attempted to collect wrong amount | 4 |
| Attempts to collect debt not owed | Debt is not yours | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 3 |
| Attempts to collect debt not owed | Debt was result of identity theft | 3 |
| Written notification about debt | Didn't receive enough information to verify debt | 2 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
Where do complaints against Live Oak Financial, Inc come from?
The states where consumers have filed the most CFPB complaints against Live Oak Financial, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Live Oak Financial, Inc
Across 5 states with at least one filing
- Georgia
Georgia
15 complaints
- Alabama 2
Alabama
2 complaints
- Nevada 1
Nevada
1 complaints
- Oklahoma 1
Oklahoma
1 complaints
- Virginia 1
Virginia
1 complaints
Frequently Asked Questions
What is the most common complaint against Live Oak Financial, Inc? ▼
The most common issue consumers report about Live Oak Financial, Inc is "False statements or representation", specifically "Attempted to collect wrong amount". This is based on 20 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 18 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: 47.5/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 5 states, with the most complaints from Georgia (15 complaints).
What can I do if Live Oak Financial, Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Live Oak Financial, Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |