Debt collector · complaint record
Oak Harbor Capital complaints
Filed under Oak Harbor Capital, LLC
Consumers have filed 19 complaints about Oak Harbor Capital since 2014, 2 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is attempts to collect debt not owed.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 19
- Last 12 months
- 2
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #1,275 of 1,963
Since March 2014
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Apr 15, 2026
Most complained-about debt collectors
Oak Harbor Capital complaints by month
The busiest month was June 2016 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Oak Harbor Capital answered all time
- Closed with non-monetary relief15.3%
- Closed with explanation1894.7%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Oak Harbor Capital complaints are about
Top Oak Harbor Capital problems
Inside "False statements or representation"
- Impersonated an attorney or official 2
- Attempted to collect wrong amount 1
- Impersonated attorney, law enforcement, or government official 1
Where Oak Harbor Capital complaints come from
Most complaints: Texas (15), Florida (1), Idaho (1), New York (1), Oregon (1).
Oak Harbor Capital 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 | Oak Harbor CapitalDebt collection | - | 2 | - |
Compare side by side: Oak Harbor Capital vs Green Square · Oak Harbor Capital vs EMoneyUSA · Oak Harbor Capital vs Mullooly Jeffrey Rooney & Flynn · Oak Harbor Capital vs Credit World Services
What people say about Oak Harbor Capital
All experiencesNo experiences with Oak Harbor Capital yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Oak Harbor Capital complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Apr 15, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Dec 23, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 7, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| May 9, 2022 | Auto loans & leases | Problems at the end of the loan or leaseUnable to receive car title or other problem after the loan is paid off | Explained |
| Dec 4, 2019 | Mortgages | Trouble during payment process | Explained |
| Jul 30, 2019 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 6, 2018 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Sep 7, 2017 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Apr 21, 2017 | Mortgages | Loan modification,collection,foreclosure | Explained |
| Nov 3, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt was discharged in bankruptcy | Explained |
| Jul 28, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
| Jul 25, 2016 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | Explained |
Questions about Oak Harbor Capital
How many complaints does Oak Harbor Capital have?
Oak Harbor Capital has 19 complaints on record since March 2014, including 2 in the last 12 months and 0 in the last 30 days. That makes it number 2,550 of every company by complaints this year.
Does Oak Harbor Capital respond to complaints?
Yes. Oak Harbor Capital answered 0% 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 Oak Harbor Capital?
The most common problems are attempts to collect debt not owed (2), false statements or representation (4), taking/threatening an illegal action (4).
Is Oak Harbor Capital legit?
Oak Harbor Capital is a real company with a public complaint record: consumers have complained about it 19 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Oak Harbor Capital legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Oak Harbor Capital?
Complain to Oak Harbor Capital 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 Oak Harbor Capital complaints come from?
Most come from Texas (15), Florida (1), Idaho (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
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