Total CFPB complaints
5
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 5 complaints
Oak Tree Financial Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 3 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Oak Tree Financial Inc.
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
2 complaints
- Communication tactics
Communication tactics
1 complaints
- False statements or representation
False statements or representation
1 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
1 complaints
F
Grade F · 43.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Oak Tree Financial Inc.?
Oak Tree Financial Inc. has accumulated 5 total CFPB complaints across 3 states, with 3 filed in the most recent 12 months against 2 historical complaints before that window. The trailing-12-month volume represents 60.0% 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 "Communication tactics", narrowing to "Called before 8am or after 9pm", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 20% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 3 states, led by North Carolina with 3 and New Jersey 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 43.2/100 places Oak Tree Financial Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
3
60.0% of total history
Rising ↑
States active
3
Distinct state filings
Timely response rate
20%
Within CFPB SLA window
Reputation grade
F
43.2/100 composite
Response-quality profile
How Oak Tree Financial Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 20.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 5.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Oak Tree Financial Inc. compare to its peers?
Oak Tree Financial Inc… 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)
2018-07 2025-09
Top Consumer Issues
Communication tactics1 (%)
False statements or representation1 (%)
Took or threatened to take negative or legal action2 (%)
Attempts to collect debt not owed1 (%)
Most common issue: Communication tactics — Called before 8am or after 9pm
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 |
|---|---|---|
| Communication tactics | Called before 8am or after 9pm | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 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 was result of identity theft | 1 |
Where do complaints against Oak Tree Financial Inc. come from?
The states where consumers have filed the most CFPB complaints against Oak Tree Financial Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Oak Tree Financial Inc.
Across 3 states with at least one filing
- North Carolina
North Carolina
3 complaints
- New Jersey 1
New Jersey
1 complaints
- Illinois 1
Illinois
1 complaints
Frequently Asked Questions
What is the most common complaint against Oak Tree Financial Inc.? ▼
The most common issue consumers report about Oak Tree Financial Inc. is "Communication tactics", 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 3 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: 43.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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).
What can I do if Oak Tree Financial Inc. 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 Tree Financial Inc. 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 |