Debt collection -- Attempts to collect debt not owed -- Complaint #5519440
Complaint Overview
Complaint ID: 5519440
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: Florida
ZIP Code: 33319
Date Received: 2022-04-29T12:00:00-05:00
Date Sent to Company: 2022-04-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the Following items for XXXX {$610.00} The name and address of the original creditor A copy of the original contract between myself and the original creditor. The original application for this account with my signature. A copy of the agreement authorizing your company to collected on their behalf of the original creditor. FULL detailed accounting history on the account and the calculations on how they reached the amount owe. Provide verification on any judgments connected to this account. Provide your license to collect in my state and your registered agent name with their address. Please show proof that the Statue of Limitations has not expired in my state for this account. Provide the date of the last payment on this account. Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. Thank you for your cooperation, XXXX XXXX
Frequently Asked Questions
What is Complaint #5519440 about?
Complaint #5519440 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 2022-04-29T12:00:00-05:00.
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.