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

CFPB complaint data Grade F 28 complaints

Live Oak Financial, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 7 states, reputation grade F.

Complaints by issue type

What consumers report about Live Oak Financial, Inc

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 47.5/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Live Oak Financial, Inc ranks ahead of 11% of the 5,283 collectors PlainCollector grades - 89% keep a cleaner CFPB record, on 28 all-time complaints and a 60% timely-response rate.

11th pct
reputation rank of 5,283 graded collectors
28
CFPB complaints, all-time
60%
answered inside the CFPB window
23
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Live Oak Financial, Inc?

Live Oak Financial, Inc has accumulated 28 total CFPB complaints across 7 states, with 23 filed in the most recent 12 months against 5 historical complaints before that window. The trailing-12-month volume represents 82.1% 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 "Attempts to collect debt not owed", narrowing to "Attempted to collect wrong amount". The company posts a 60% timely-response rate.

Complaints have been recorded across 7 states, led by Georgia with 21 and Alabama with 2. Normalized against the full CFPB collector database, the reputation score of 47.5/100 places Live Oak Financial, Inc in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

28

low-volume (CCDB)

Last 12 months

23

82.1% of all-time complaints

Rising ↑

States active

7

regional footprint

Timely response rate

60%

below sla band

Reputation grade

F

47.5/100 composite

How does Live Oak Financial, Inc's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

48 Bottom 11% higher than 11% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Live Oak Financial, Inc versus the debt-collection vertical average.

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 12.5%

Share of US states + territories with at least one filed complaint against this collector.

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, drawn from 10 collectors with a comparable complaint count
Live Oak Financial, In… National average
Complaints (last 12 mo)lower is better
23
6
268
Timely-response ratehigher is better
60%
89%
91%
Consumer-dispute ratelower is better
0%
17%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-11 2026-01

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Live Oak Financial, Inc

Across 7 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Live Oak Financial, Inc contacts you

A grade of F signals how Live Oak Financial, Inc's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Live Oak Financial, Inc and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Live Oak Financial, Inc ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

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 "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: 47.5/100), 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).

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

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.