Spring Oaks Capital against other debt collectors
| # | Company | 12 months | Change | On time | Relief | All time |
|---|
| 1 | CL Holdings | 25,525 | +136% | 99.9% | 51% | 47,216 |
| 2 | Encore Capital (Midland Credit) | 19,484 | +59% | 100% | 12% | 57,060 |
| 3 | Portfolio Recovery Associates | 17,942 | +60% | 99.9% | 63% | 55,016 |
| 4 | Resurgent Capital Services | 17,500 | +6% | 100% | 26% | 54,761 |
| 5 | TransUnion | 9,367 | -62% | 100% | 48% | 58,125 |
| 6 | Experian | 9,347 | -53% | 100% | 9% | 52,595 |
| 7 | CCS Financial Services | 8,704 | +51% | 99.9% | 2% | 23,877 |
| 8 | Equifax | 7,993 | -70% | 100% | 40% | 56,820 |
| 9 | Kriya Capital | 7,526 | +100% | 100% | 100% | 16,464 |
| 10 | I.C. System | 6,903 | +81% | 100% | 0% | 21,049 |
| 11 | National Credit Systems | 5,918 | +48% | 99.9% | 0% | 17,574 |
| 12 | Caine & Weiner | 5,539 | +112% | 99.9% | 39% | 12,208 |
| 13 | Spring Oaks Capital | 4,664 | +83% | 100% | 60% | 8,993 |
Every debt collector ranked
Latest Spring Oaks Capital debt collection complaints
| Received | About | Issue | State | Answer | On time |
|---|
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | TX | Explained | Yes |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | LA | Explained | Yes |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | MO | Fixed | Yes |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | TX | Fixed | Yes |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | FL | Explained | Yes |
| Oct 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | GA | Fixed | Yes |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | SC | Explained | Yes |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | CO | Fixed | Yes |
| Oct 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | MI | Explained | Yes |
| Oct 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | MI | Explained | Yes |
| Oct 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | GA | Fixed | Yes |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | SC | Explained | Yes |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | FL | Explained | Yes |
| Oct 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | TX | Fixed | Yes |
| Oct 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | MS | In progress | Yes |
| Oct 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | TX | Fixed | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | VA | Explained | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | GA | Fixed | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | OK | Explained | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | GA | Fixed | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | TX | Fixed | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | FL | Explained | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | MS | Fixed | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | TN | Fixed | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | FL | Explained | Yes |
| Oct 29, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | NJ | Fixed | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | NJ | Fixed | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | LA | Explained | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | TX | Explained | Yes |
| Oct 29, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | AL | Explained | Yes |
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.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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