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

CFPB complaint data Grade D 16 complaints

Oak Harbor Capital, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade D.

Complaints by issue type

What consumers report about Oak Harbor Capital, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 53.8/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Oak Harbor Capital, LLC ranks ahead of 22% of the 5,283 collectors PlainCollector grades - 78% keep a cleaner CFPB record, on 16 all-time complaints and a 87% timely-response rate.

22nd pct
reputation rank of 5,283 graded collectors
16
CFPB complaints, all-time
87%
answered inside the CFPB window
2
in the last 12 months (falling)

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 Oak Harbor Capital, LLC?

Oak Harbor Capital, LLC has accumulated 16 total CFPB complaints across 2 states, with 2 filed in the most recent 12 months against 14 historical complaints before that window. The trailing-12-month volume represents 12.5% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "False statements or representation", narrowing to "Debt is not mine". The company posts a 87% timely-response rate against a 70% consumer-dispute-after-response rate.

Complaints have been recorded across 2 states, led by Texas with 15 and Oregon with 1. Normalized against the full CFPB collector database, the reputation score of 53.8/100 places Oak Harbor Capital, LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

16

low-volume (CCDB)

Last 12 months

2

12.5% of all-time complaints

Falling ↓

States active

2

limited footprint

Timely response rate

87%

acceptable band

Consumer disputes

70%

high (vertical avg ~19%)

Reputation grade

D

53.8/100 composite

How does Oak Harbor Capital, LLC's reputation rank nationally?

Reputation score vs. every graded collector

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

54 Bottom 22% higher than 22% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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

Oak Harbor Capital, LLC versus the debt-collection vertical average.

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) 70.0%
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?

How does Oak Harbor Capital, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Oak Harbor Capital, LL… National average
Complaints (last 12 mo)lower is better
2
0
268
Timely-response ratehigher is better
87%
38%
91%
Consumer-dispute ratelower is better
70%
8%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2019-10 2026-02

Issue Detail Breakdown

Issue Sub-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.

Top states by complaints against Oak Harbor Capital, LLC

Across 2 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Oak Harbor Capital, LLC contacts you

A grade of D signals how Oak Harbor Capital, LLC'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 Oak Harbor Capital, LLC 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 Oak Harbor Capital, LLC 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 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 D (score: 53.8/100), 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).

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.