Debt collection -- Took or threatened to take negative or legal action -- Complaint #17964021
Complaint Overview
Complaint ID: 17964021
Company: Spring Oaks Capital, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Louisiana
ZIP Code: 70785
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.
Frequently Asked Questions
What is Complaint #17964021 about?
Complaint #17964021 was filed against Spring Oaks Capital, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-11-27T12:00:00-05:00.
How did Spring Oaks Capital, LLC respond to this complaint?
The company responded with: "Closed with explanation". 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.