Debt collection -- Attempts to collect debt not owed -- Complaint #8825088
Complaint Overview
Complaint ID: 8825088
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: Illinois
ZIP Code: 60440
Date Received: 2024-04-21T12:00:00-05:00
Date Sent to Company: 2024-04-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I come with clean hands. I am not an enemy or friend of an enemy. Therefore Im trying to civilly resolve this without going to court. You cant disagree with laws. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Let me repeat. On your consumer report, reports containing information solely as to transactions or experiences between the consumer ( XXXX XXXX XXXX and the person making the report ( XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ) Even according to XXXX rules financial accounts need to be certified. This disagreement is hearsay and certified by no one or authority because their investigation is by themselves and no one of authority. Otherwise theyd pursue me in court themselves to get their money but they cant. They dont even have the authority to contact me to get the alleged debt.
Frequently Asked Questions
What is Complaint #8825088 about?
Complaint #8825088 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 2024-04-21T12:00:00-05:00.
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.