Auto lender · complaint record
Oak Tree Financial complaints
Filed under Oak Tree Financial Inc.
Consumers have filed 9 complaints about Oak Tree Financial since 2018, 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 getting a loan or lease.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 9
- Last 12 months
- 2
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #103 of 193
Since July 2018
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Aug 13, 2026
Most complained-about auto lenders
Oak Tree Financial complaints by month
The busiest month was July 2018 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Oak Tree Financial answered all time
- Closed with explanation111.1%
- Untimely response888.9%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Oak Tree Financial complaints are about
Top Oak Tree Financial problems
Inside "Getting a loan or lease"
- Credit denial 1
- Changes in terms mid-deal or after closing 1
Where Oak Tree Financial complaints come from
Most complaints: North Carolina (5), New York (1), Illinois (1), New Jersey (1).
Oak Tree Financial compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | Oak Tree FinancialAuto loans & leases | - | 2 | - |
Compare side by side: Oak Tree Financial vs The Savings Group · Oak Tree Financial vs AC AutoPay LLC, Denver, CO Branch · Oak Tree Financial vs CARS Acquisition · Oak Tree Financial vs EA Holdings
What people say about Oak Tree Financial
All experiencesNo experiences with Oak Tree Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Oak Tree Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 13, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | No timely reply |
| Jun 1, 2026 | Auto loans & leases | Getting a loan or leaseChanges in terms mid-deal or after closing | No timely reply |
| Sep 3, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | No timely reply |
| Jul 14, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | No timely reply |
| May 8, 2025 | Debt collection | Communication tacticsCalled before 8am or after 9pm | No timely reply |
| Nov 13, 2024 | Auto loans & leases | Getting a loan or leaseCredit denial | No timely reply |
| May 13, 2020 | Auto loans & leases | Struggling to pay your loanLender trying to repossess or disable the vehicle | No timely reply |
| Sep 26, 2018 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | No timely reply |
| Jul 18, 2018 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
Questions about Oak Tree Financial
How many complaints does Oak Tree Financial have?
Oak Tree Financial has 9 complaints on record since July 2018, 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 Tree Financial respond to complaints?
Yes. Oak Tree Financial answered 0% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Oak Tree Financial?
The most common problems are getting a loan or lease (2), repossession (1), took or threatened to take negative or legal action (2).
Is Oak Tree Financial legit?
Oak Tree Financial is a real company with a public complaint record: consumers have complained about it 9 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Oak Tree Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Oak Tree Financial?
Complain to Oak Tree 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 Oak Tree Financial complaints come from?
Most come from North Carolina (5), New York (1), Illinois (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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