Debt collection -- Attempts to collect debt not owed -- Complaint #13206097
Complaint Overview
Complaint ID: 13206097
Company: Spring Oaks Capital, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: South Carolina
ZIP Code: 29505
Date Received: 2025-04-27T12:00:00-05:00
Date Sent to Company: 2025-04-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I mailed a debt validation request to Spring Oaks Capital regarding an alleged XXXX XXXX loan. They received it on XX/XX/XXXX. After no full validation was provided, I mailed a second certified validation letter on XX/XX/XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), Spring Oaks Capital was required to provide full validation, including proof that the debt was mine, a detailed breakdown of the balance, and documentation showing their authority to collect. Spring Oaks Capital provided only partial documentation and did not satisfy the full validation requirements. Despite this, they continue to report the debt to XXXX XXXX XXXX XXXX, in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).
Frequently Asked Questions
What is Complaint #13206097 about?
Complaint #13206097 was filed against Spring Oaks Capital, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-04-27T12:00:00-05:00.
How did Spring Oaks Capital, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Spring Oaks Capital, LLC?
Yes, visit the Spring Oaks Capital, LLC company profile at readthecomplaint.com/company/spring-oaks-capital-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.