Debt collector · complaint record
Live Oak Financial complaints
Filed under Live Oak Financial, Inc
Consumers have filed 29 complaints about Live Oak Financial since 2025, 13 of them in the last 12 months (-19% on the year before). It answered 7.7% on time and closed 0% with relief for the customer. The most common problem is electronic communications.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 29
- Last 12 months
- 13
- Answered on time
- 7.7%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #652 of 1,963
Since January 2025
-19% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Sep 8, 2026
Most complained-about debt collectors
Live Oak Financial complaints by month
The busiest month was November 2025 (5 complaints). Complaints in the last 12 months are down 19% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Live Oak Financial answered all time
- Closed with explanation29100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Live Oak Financial complaints are about
Top Live Oak Financial problems
Inside "Electronic communications"
- Contacted before 8am or after 9pm 3
- Frequent or repeated messages 2
- You told them to stop contacting you, but they keep trying 1
Where Live Oak Financial complaints come from
Most complaints: Georgia (23), Kentucky (1), South Carolina (1), Tennessee (1), Texas (1).
Live Oak Financial compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Live Oak FinancialDebt collection | - | 13 | - |
Compare side by side: Live Oak Financial vs Green Square · Live Oak Financial vs EMoneyUSA · Live Oak Financial vs Mullooly Jeffrey Rooney & Flynn · Live Oak Financial vs Credit World Services
What people say about Live Oak Financial
All experiencesNo experiences with Live Oak Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Live Oak Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 8, 2026 | Debt collection | Electronic communicationsContacted before 8am or after 9pm | Explained |
| Sep 4, 2026 | Debt collection | Electronic communicationsContacted before 8am or after 9pm | Explained |
| Jul 22, 2026 | Debt collection | Electronic communicationsContacted before 8am or after 9pm | Explained |
| Jul 15, 2026 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Jul 4, 2026 | Credit reporting | Identity theft protection or other monitoring servicesReceived unwanted marketing or advertising | Explained |
| Jul 2, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 23, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 21, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Apr 18, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Apr 7, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Mar 2, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Nov 23, 2025 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
Questions about Live Oak Financial
How many complaints does Live Oak Financial have?
Live Oak Financial has 29 complaints on record since January 2025, including 13 in the last 12 months and 0 in the last 30 days. That makes it number 1,303 of every company by complaints this year.
Does Live Oak Financial respond to complaints?
Yes. Live Oak Financial answered 7.7% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Live Oak Financial?
The most common problems are electronic communications (6), false statements or representation (4), attempts to collect debt not owed (6).
Is Live Oak Financial legit?
Live Oak Financial is a real company with a public complaint record: consumers have complained about it 29 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Live Oak Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about Live Oak Financial going up or down?
Down. There were 13 complaints in the last 12 months against 16 in the 12 before (-19%). See every month.
How do I file a complaint against Live Oak Financial?
Complain to Live Oak Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Live Oak Financial complaints come from?
Most come from Georgia (23), Kentucky (1), South Carolina (1). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about Live Oak Financial
No comments yet. Start the conversation - questions are welcome too.