Debt collection -- Attempts to collect debt not owed -- Complaint #4631254
Complaint Overview
Complaint ID: 4631254
Company: Spring Oaks Capital, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Maryland
ZIP Code: 21218
Date Received: 2021-08-14T12:00:00-05:00
Date Sent to Company: 2021-09-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX, XXXX gives notice of an account balance of {$610.00} sold on XX/XX/2021 to Spring Oaks Capital , LLC who now is owner. Although XXXX XXXX, XXXX states the notice is not a bill and not to send payments it gives myself the impression that any payment should be forwarded to Spring Oaks Capital , LLC of which I am confused about.
Frequently Asked Questions
What is Complaint #4631254 about?
Complaint #4631254 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 2021-08-14T12:00:00-05:00.
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.