Credit cards
Spring Oaks Capital credit cards complaints
Consumers have filed 64 complaints about Spring Oaks Capital's credit cards, 19 in the last 12 months (-5%). Spring Oaks Capital answered 100% on time and closed 37% with relief. See the whole Spring Oaks Capital record.
Spring Oaks Capital against other credit card companies
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | Capital One | 14,231 | 99.9% | 22% |
| 2 | Citibank | 12,511 | 99.9% | 42% |
| 3 | Synchrony | 9,417 | 95.9% | 20% |
| 4 | JPMorgan Chase | 7,363 | 100% | 21% |
| 5 | Bank of America | 6,335 | 99.3% | 39% |
| 6 | American Express | 5,838 | 98.7% | 23% |
| 7 | Wells Fargo | 3,702 | 99.9% | 27% |
| 8 | Bread Financial (Comenity) | 3,690 | 100% | 47% |
| 9 | Goldman Sachs Bank (Apple Card, Marcus) | 3,156 | 100% | 27% |
| 10 | Barclays US | 2,871 | 100% | 7% |
| 11 | U.S. Bank | 2,011 | 100% | 33% |
| 12 | TransUnion | 1,897 | 100% | 57% |
| 13 | Spring Oaks Capital | 19 | 100% | 37% |
Latest Spring Oaks Capital credit cards complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 23, 2026 | Credit cards | Problem with a purchase shown on your statementCredit card company isn't resolving a dispute about a purchase on your statement | Explained |
| Oct 22, 2026 | Credit cards | Other features, terms, or problemsOther problem | Fixed |
| Sep 25, 2026 | Credit cards | Closing your accountCompany closed your account | Explained |
| Sep 14, 2026 | Credit cards | Problem when making paymentsProblem during payment process | Fixed |
| Aug 30, 2026 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Fixed |
| Jul 25, 2026 | Credit cards | Closing your accountCompany closed your account | Explained |
| Jun 17, 2026 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| Jun 14, 2026 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| Jun 6, 2026 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| Jun 4, 2026 | Credit cards | Improper use of your reportCredit inquiries on your report that you don't recognize | Fixed |
| May 28, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Fixed |
| Apr 9, 2026 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| Feb 22, 2026 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| Feb 12, 2026 | Credit cards | Incorrect information on your reportAccount information incorrect | Explained |
| Jan 28, 2026 | Credit cards | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Jan 26, 2026 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| Dec 22, 2025 | Credit cards | Problem with fraud alerts or security freezes | Fixed |
| Dec 16, 2025 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Dec 14, 2025 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| Nov 15, 2025 | Credit cards | Advertising and marketing, including promotional offersConfusing or misleading advertising about the credit card | Fixed |
| Oct 28, 2025 | Credit cards | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Sep 29, 2025 | Credit cards | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Fixed |
| Sep 22, 2025 | Credit cards | Other features, terms, or problemsOther problem | Explained |
| Aug 17, 2025 | Credit cards | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Aug 15, 2025 | Credit cards | Struggling to pay your billCredit card company won't work with you while you're going through financial hardship | Explained |
| Jul 24, 2025 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Fixed |
| Jul 10, 2025 | Credit cards | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Fixed |
| Jul 10, 2025 | Credit cards | Incorrect information on your reportInformation belongs to someone else | Fixed |
| May 27, 2025 | Credit cards | Getting a credit cardCard opened without my consent or knowledge | Explained |
| May 23, 2025 | Credit cards | Improper use of your reportReporting company used your report improperly | Explained |
Your rights with credit card companies
Under the Fair Credit Billing Act you have 60 days from the statement date to dispute a billing error in writing, and the issuer must investigate. Your liability for unauthorized charges is capped at $50 by law (and usually zero in practice). Issuers must give 45 days' notice before raising your interest rate or most fees.
Scam warning: Your card company will never ask you to read out a full card number, PIN or one-time code on a call it made. Hang up and call the number on the back of the card.
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
Talk about Spring Oaks Capital
No comments yet. Start the conversation - questions are welcome too.