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Debt relief & credit repair

Spring Oaks Capital debt relief & credit repair complaints

Consumers have filed 11 complaints about Spring Oaks Capital's debt relief & credit repair, 6 in the last 12 months. Spring Oaks Capital answered 100% on time and closed 67% with relief. See the whole Spring Oaks Capital record.

Spring Oaks Capital against other debt relief & credit repair companies

#Company12 monthsChangeOn timeReliefAll time
1Experian351+4%100%10%1,702
2Equifax256+30%100%32%1,123
3TransUnion249+26%100%58%1,115
4Consumer Financial Services Solutions224+104%68.8%0%403
5National Debt Relief180+50%98.9%0%350
6Encore Capital (Midland Credit)146+19%100%23%384
7Freedom Financial Network96+28%100%27%492
8Resurgent Capital Services93+31%100%21%221
9The J. G. Wentworth91+98%100%0%157
10Capital One86+7%100%16%376
11Kikoff72+11%100%0%208
12Americor Funding54+54%100%0%154
13Spring Oaks Capital6new100%67%11

Every debt relief company ranked

Latest Spring Oaks Capital debt relief & credit repair complaints

ReceivedAboutIssueStateAnswerOn time
Sep 21, 2026Debt relief & credit repairConfusing or missing disclosuresTXFixedYes
Aug 25, 2026Debt relief & credit repairConfusing or missing disclosuresCAFixedYes
Aug 7, 2026Debt relief & credit repairProblem with customer serviceNDExplainedYes
Jun 28, 2026Debt relief & credit repairProblem with customer serviceCAFixedYes
Jun 24, 2026Debt relief & credit repairConfusing or missing disclosuresVAExplainedYes
Jan 3, 2026Debt relief & credit repairDidn't provide services promisedFLFixedYes
Apr 18, 2025Debt relief & credit repairConfusing or misleading advertising or marketingFLExplainedYes
Jan 20, 2025Debt relief & credit repairConfusing or misleading advertising or marketingIAExplainedYes
Oct 8, 2024Debt relief & credit repairDidn't provide services promisedAZExplainedYes
Oct 7, 2024Debt relief & credit repairUnauthorized withdrawals or chargesGAExplainedYes
Mar 22, 2024Debt relief & credit repairProblem with customer servicePAExplainedYes

Your rights with debt relief & credit repair companies

The Credit Repair Organizations Act bans credit repair companies from charging before the work is done and gives you three days to cancel. Debt settlement companies that sell by phone cannot charge fees until they have actually settled a debt. You can do everything a credit repair company does yourself, for free.

Scam warning: Walk away from anyone who wants money up front, tells you to stop contacting your creditors, or promises a "new credit identity".

General information, not legal advice; rules vary by state. Plain-English guides

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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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