Debt collection -- Written notification about debt -- Complaint #5541137
Complaint Overview
Complaint ID: 5541137
Company: Spring Oaks Capital, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Florida
ZIP Code: 331XX
Date Received: 2022-05-04T12:00:00-05:00
Date Sent to Company: 2022-05-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I received a letter from Spring Oaks Capital attempting to collect a debt in the amount of {$640.00} that they claim they own. I was told that I had until XX/XX/2022 to dispute the debt. I sent them a letter on XX/XX/2022 and requested verification and documentation of this debt. From my understanding, they must stop collection on any amount I dispute until they send me the information that shows I owe this debt. I am not understanding why this account is listed on my XXXX credit report as I have not received a response at all from Spring Oaks Capital and it has now been a month since I sent a validation request to this company.
Frequently Asked Questions
What is Complaint #5541137 about?
Complaint #5541137 was filed against Spring Oaks Capital, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-05-04T12:00:00-05:00.
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.