Debt collection
Live Oak Financial debt collection complaints
Consumers have filed 23 complaints about Live Oak Financial's debt collection, 10 in the last 12 months. Live Oak Financial answered 10% on time and closed 0% with relief. See the whole Live Oak Financial record.
Live Oak Financial against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | Live Oak Financial | 10 | 10% | 0% |
Latest Live Oak Financial debt collection complaints
| 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 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 7, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Nov 23, 2025 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Nov 20, 2025 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Nov 15, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 4, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 4, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 11, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 5, 2025 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Aug 15, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 24, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 15, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 8, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 8, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| May 6, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 12, 2025 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | Explained |
| Jan 8, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
General information, not legal advice; rules vary by state. Plain-English guides
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
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