What is the most common complaint against Spring Oaks Capital, LLC?

The most common issue consumers report about Spring Oaks Capital, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 7,289 complaints filed with the CFPB.

Are complaints against Spring Oaks Capital, LLC increasing or decreasing?

Complaints against Spring Oaks Capital, LLC are rising. The company received 4,064 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Spring Oaks Capital, LLC's reputation grade?

Spring Oaks Capital, LLC has a reputation grade of F (score: 45.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Spring Oaks Capital, LLC respond to consumer complaints?

Spring Oaks Capital, LLC has a 100% timely response rate to CFPB complaints.

In how many states does Spring Oaks Capital, LLC operate?

Spring Oaks Capital, LLC has received CFPB complaints from consumers in 52 states, with the most complaints from Texas (1,320 complaints).

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

Spring Oaks Capital, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 52 states, reputation grade F.

Compiled by PlainCollector

Attempts to collect debt not owed

3,630
Took or threatened to take negative or legal action

1,211
Written notification about debt

1,177
False statements or representation

884
Communication tactics

229
Electronic communications

122

Data updated September 2026

CFPB complaint disposition

CCDB record spring-oaks-capital-llc Spring Oaks Capital, LLC

Grade F · 7,289 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #25 · compose #4585

VOL 7,289
GRADE F
12MO 4,064
STATES 52
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #25
COMPOSE #4,585

Volume peers

Nearest volume peer: HW Holding, Inc (7,296 complaints)

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

Spring Oaks Capital, LLC's 7,289 CFPB complaints sit next to HW Holding, 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 →

Filing geometry

Texas is the plurality state for Spring Oaks Capital, LLC (18.1%)

Volume rank #25 and composite rank #4,585 diverge by 4,560 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Texas 18.1%; Mid-band (15–30%) · 52 states with ≥1 filing
Seasonal peak: 2020-03 10.0%; 8–15% band · 2 filings
Divergent corpus ranks: #25 volume; #4,585 composite; Cleanest-composite ladder is 4,560 places worse than volume

How does Spring Oaks Capital, LLC compare to its peers?

How does Spring Oaks 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

Spring Oaks Capital, L… National average

Complaints (last 12 mo)lower is better

4,064

1,834

268

Timely-response ratehigher is better

100%

99%

91%

Consumer-dispute ratelower is better

21%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2014-10 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	3,630
Took or threatened to take negative or legal action	1,211
Written notification about debt	1,177
False statements or representation	884
Communication tactics	229
Electronic communications	122
Threatened to contact someone or share information improperly	36

Where do complaints against Spring Oaks Capital, LLC come from?

Spring Oaks Capital, LLC's own per-state count, not a national baseline.

Texas

1,320
Georgia

859
Florida

776
South Carolina

472
California

380
Alabama

312
Illinois

304
Louisiana

287

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Spring Oaks 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: 7,289.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.84594317014721%.

4 peers

Know your rights before responding to Spring Oaks 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.