Debt collector · complaint record
Spring Oaks Capital complaints
Filed under Spring Oaks Capital, LLC
Consumers have filed 11,760 complaints about Spring Oaks Capital since 2020, 5,662 of them in the last 12 months (+64% on the year before). It answered 100% on time and closed 58% with relief for the customer - more often than a typical debt collector. The most common problem is attempts to collect debt not owed. It is the 10th most complained-about of 1,963 debt collectors this year.
Strong response record. How it works
- Complaints on record
- 11,760
- Last 12 months
- 5,662
- Answered on time
- 100%
- Closed with relief
- 58%
- Last 30 days
- 271
- Rank
- #10 of 1,963
Since February 2020
+64% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Nov 5, 2026
Most complained-about debt collectors
Spring Oaks Capital complaints by month
The busiest month was March 2026 (621 complaints). Complaints in the last 12 months are up 64% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Spring Oaks Capital answered last 12 months
- Closed with monetary relief10%
- Closed with non-monetary relief3,25057.4%
- Closed with explanation2,36841.8%
- In progress430.8%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers40/4057.9% closed with relief
- Complaint trend4/15+64% vs last year
What Spring Oaks Capital complaints are about
Top Spring Oaks Capital problems last 12 months
Inside "Attempts to collect debt not owed"
- Debt is not yours 3,135
- Debt was result of identity theft 1,327
- Debt was paid 129
- Debt was already discharged in bankruptcy and is no longer owed 75
Where Spring Oaks Capital complaints come from
Most complaints: Texas (2,275), Georgia (1,340), Florida (1,226), South Carolina (711), California (589).
Spring Oaks Capital compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Kriya CapitalDebt collection | 86 | 8,832 | A |
| 2 | I.C. SystemDebt collection | 48 | 8,160 | D |
| 3 | National Credit SystemsDebt collection | 51 | 7,463 | C |
| 4 | Caine & WeinerDebt collection | 79 | 6,612 | B |
| 5 | Spring Oaks CapitalDebt collection | 89 | 5,662 | A |
| 6 | Servicer under contract with Federal Student AidDebt collection | 3 | 4,967 | F |
| 7 | Transworld SystemsDebt collection | 56 | 4,837 | C |
| 8 | National Credit AdjustersDebt collection | 49 | 3,584 | D |
Compare side by side: Spring Oaks Capital vs Kriya Capital · Spring Oaks Capital vs I.C. System · Spring Oaks Capital vs National Credit Systems · Spring Oaks Capital vs Caine & Weiner
What people say about Spring Oaks Capital
All experiencesNo experiences with Spring Oaks Capital yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Spring Oaks Capital complaints
Full logQuestions about Spring Oaks Capital
How many complaints does Spring Oaks Capital have?
Spring Oaks Capital has 11,760 complaints on record since February 2020, including 5,662 in the last 12 months and 271 in the last 30 days. That makes it number 39 of every company by complaints this year.
Does Spring Oaks Capital respond to complaints?
Yes. Spring Oaks Capital answered 100% of its complaints on time (within 15 days) and closed 58% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 89/100 (grade A).
What do people complain about most with Spring Oaks Capital?
The most common problems are attempts to collect debt not owed (4,666), took or threatened to take negative or legal action (1,563), written notification about debt (1,347).
Is Spring Oaks Capital legit?
Spring Oaks Capital is a real company with a public complaint record: consumers have complained about it 11,760 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Spring Oaks Capital legit? for the signals, red flags and how to protect yourself.
Are complaints about Spring Oaks Capital going up or down?
Up. There were 5,662 complaints in the last 12 months against 3,459 in the 12 before (+64%). See every month.
How do I file a complaint against Spring Oaks Capital?
Complain to Spring Oaks 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 Spring Oaks Capital complaints come from?
Most come from Texas (2,275), Georgia (1,340), Florida (1,226). 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 Spring Oaks Capital
No comments yet. Start the conversation - questions are welcome too.