What is the most common complaint against Oak Tree Financial Inc.?

The most common issue consumers report about Oak Tree Financial Inc. is "Took or threatened to take negative or legal action", specifically "Called before 8am or after 9pm". This is based on 5 complaints filed with the CFPB.

Are complaints against Oak Tree Financial Inc. increasing or decreasing?

Complaints against Oak Tree Financial Inc. are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Oak Tree Financial Inc.'s reputation grade?

Oak Tree Financial Inc. has a reputation grade of F (score: 39.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Oak Tree Financial Inc. respond to consumer complaints?

Oak Tree Financial Inc. has a 20% timely response rate to CFPB complaints.

In how many states does Oak Tree Financial Inc. operate?

Oak Tree Financial Inc. has received CFPB complaints from consumers in 3 states, with the most complaints from North Carolina (3 complaints).

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

Oak Tree Financial Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 3 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

2
Attempts to collect debt not owed

1
False statements or representation

1
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record oak-tree-financial-inc Oak Tree Financial Inc.

Grade F · 5 CFPB filings · 20% timely · lead issue: Took or threatened to take negative or legal action · vol #3195 · compose #4948

VOL 5
GRADE F
12MO 2
STATES 3
TIMELY 20%
ISSUE Took or threatened to take…
RANK #3,195
COMPOSE #4,948

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

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

Oak Tree Financial Inc.'s 5 CFPB complaints sit next to Aaron Worldwide Collections Inc. 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

60.0% of Oak Tree Financial Inc.'s CFPB filings land in North Carolina

High volume does not equal a clean composite: Oak Tree Financial Inc. is volume #3,195 but composite #4,948, while North Carolina dominates the geography. Corpus placement method.

Dominant state: North Carolina 60.0%; 3 of 5 filings · 3 states touched
Spike month: 2020-05 33.3%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,195 volume; #4,948 composite; Cleanest-composite ladder is 1,753 places worse than volume

How does Oak Tree Financial Inc. compare to its peers?

How does Oak Tree Financial Inc. 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 Tree Financial Inc… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

20%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2020-05 2025-04

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	2
Attempts to collect debt not owed	1
False statements or representation	1
Communication tactics	1

Where do complaints against Oak Tree Financial Inc. come from?

Oak Tree Financial Inc.'s own per-state count, not a national baseline.

North Carolina

3
Illinois

1
New Jersey

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Oak Tree Financial Inc.: 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: 5.

4 peers

Know your rights before responding to Oak Tree Financial Inc.: 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.