What is the most common complaint against Oak Harbor Capital, LLC?

The most common issue consumers report about Oak Harbor Capital, LLC is "False statements or representation", specifically "Debt is not mine". This is based on 16 complaints filed with the CFPB.

Are complaints against Oak Harbor Capital, LLC increasing or decreasing?

Complaints against Oak Harbor Capital, LLC are falling. The company received 2 complaints in the last 12 months, showing improvement over prior periods.

What is Oak Harbor Capital, LLC's reputation grade?

Oak Harbor Capital, LLC has a reputation grade of F (score: 48.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Oak Harbor Capital, LLC respond to consumer complaints?

Oak Harbor Capital, LLC has a 87% timely response rate to CFPB complaints. Consumers disputed the company's response in 70% of cases.

In how many states does Oak Harbor Capital, LLC operate?

Oak Harbor Capital, LLC has received CFPB complaints from consumers in 2 states, with the most complaints from Texas (15 complaints).

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

Oak Harbor Capital, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade F.

Compiled by PlainCollector

False statements or representation

4
Taking/threatening an illegal action

4
Cont'd attempts collect debt not owed

3
Attempts to collect debt not owed

2
Took or threatened to take negative or legal action

2
Disclosure verification of debt

1

Data updated September 2026

CFPB complaint disposition

CCDB record oak-harbor-capital-llc Oak Harbor Capital, LLC

Grade F · 16 CFPB filings · 87% timely · lead issue: False statements or representation · vol #2096 · compose #4241

VOL 16
GRADE F
12MO 2
STATES 2
TIMELY 87%
DISPUTE 70%
ISSUE False statements or repres…
RANK #2,096
COMPOSE #4,241

Volume peers

Nearest volume peer: Absolute Collections Corp. (16 complaints)

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

Oak Harbor Capital, LLC's 16 CFPB complaints sit next to Absolute Collections Corp. 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

93.8% of Oak Harbor Capital, LLC's CFPB filings land in Texas

High volume does not equal a clean composite: Oak Harbor Capital, LLC is volume #2,096 but composite #4,241, while Texas dominates the geography. Corpus placement method.

Dominant state: Texas 93.8%; 15 of 16 filings · 2 states touched
Spike month: 2026-01 18.8%; 6 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,096 volume; #4,241 composite; Cleanest-composite ladder is 2,145 places worse than volume

How does Oak Harbor Capital, LLC compare to its peers?

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

Oak Harbor Capital, LL… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

87%

38%

91%

Consumer-dispute ratelower is better

70%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-10 2026-02

Issue Detail Breakdown

Issue	Complaints
False statements or representation	4
Taking/threatening an illegal action	4
Cont'd attempts collect debt not owed	3
Attempts to collect debt not owed	2
Took or threatened to take negative or legal action	2
Disclosure verification of debt	1

Where do complaints against Oak Harbor Capital, LLC come from?

Oak Harbor Capital, LLC's own per-state count, not a national baseline.

Texas

15
Oregon

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Oak Harbor Capital, LLC: 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: 16.

4 peers

Know your rights before responding to Oak Harbor Capital, LLC: 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.