Total CFPB complaints
15
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 15 complaints
Oak Harbor Capital, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Oak Harbor Capital, LLC
- Taking/threatening an illegal action
Taking/threatening an illegal action
4 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- False statements or representation
False statements or representation
3 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Attempts to collect debt not owed 1
Attempts to collect debt not owed
1 complaints
D
Grade D · 53.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Oak Harbor Capital, LLC?
Oak Harbor Capital, LLC has accumulated 15 total CFPB complaints across 2 states, with 1 filed in the most recent 12 months against 14 historical complaints before that window. The trailing-12-month volume represents 6.7% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 87% timely-response rate against a 70% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 2 states, led by Texas with 14 and Oregon with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.8/100 places Oak Harbor Capital, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1
6.7% of total history
Stable →
States active
2
Distinct state filings
Timely response rate
87%
Within CFPB SLA window
Consumer disputes
70%
After company response
Reputation grade
D
53.8/100 composite
Response-quality profile
How Oak Harbor Capital, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 86.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Oak Harbor Capital, LLC compare to its peers?
Oak Harbor Capital, LL… 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)
2014-03 2025-12
Top Consumer Issues
Cont'd attempts collect debt not owed3 (%)
False statements or representation3 (%)
Taking/threatening an illegal action4 (%)
Took or threatened to take negative or legal action2 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 2 |
| False statements or representation | Impersonated an attorney or official | 2 |
| Taking/threatening an illegal action | Seized/Attempted to seize property | 2 |
| Taking/threatening an illegal action | Sued w/o proper notification of suit | 1 |
| Taking/threatening an illegal action | Attempted to/Collected exempt funds | 1 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 1 |
| Attempts to collect debt not owed | Debt is not yours | 1 |
| False statements or representation | Impersonated attorney, law enforcement, or government official | 1 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 1 |
Where do complaints against Oak Harbor Capital, LLC come from?
The states where consumers have filed the most CFPB complaints against Oak Harbor Capital, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Oak Harbor Capital, LLC
Across 2 states with at least one filing
- Texas
Texas
14 complaints
- Oregon 1
Oregon
1 complaints
Frequently Asked Questions
What is the most common complaint against Oak Harbor Capital, LLC? ▼
The most common issue consumers report about Oak Harbor Capital, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 15 complaints filed with the CFPB.
Are complaints against Oak Harbor Capital, LLC increasing or decreasing? ▼
Complaints against Oak Harbor Capital, LLC have been stable. The company received 1 complaints in the last 12 months.
What is Oak Harbor Capital, LLC's reputation grade? ▼
Oak Harbor Capital, LLC has a reputation grade of D (score: 53.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (14 complaints).
What can I do if Oak Harbor Capital, LLC 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 Oak Harbor Capital, LLC 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 |