Debt collection -- Attempts to collect debt not owed -- Complaint #16402944
Complaint Overview
Complaint ID: 16402944
Company: Spring Oaks Capital, LLC
Product: Debt collection
Sub-Product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30093
Date Received: 2025-10-06T12:00:00-05:00
Date Sent to Company: 2025-10-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spring Oaks Capital , LLC XXXX. XXXX XXXX XXXX, VA XXXX Cease and Desist Account # XXXX Dear Spring Oaks Capital, I am writing regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I demand that you immediately cease and desist all communication with me regarding this account. I do not consent to further contact by phone, text, email, or postal mail from Spring Oaks Capital , LLC or any third parties acting on your behalf, except as permitted by law ( such as providing notice of specific legal action ). Be advised that any continued communication after receipt of this letter will be considered harassment and a violation of my rights under federal law. If such actions persist, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I expect written confirmation within 15 days that Spring Oaks Capital , LLC will comply with this cease and desist demand. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #16402944 about?
Complaint #16402944 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 2025-10-06T12:00:00-05:00.
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.