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Payday & personal loans

Spring Oaks Capital payday & personal loans complaints

Consumers have filed 46 complaints about Spring Oaks Capital's payday & personal loans, 13 in the last 12 months. Spring Oaks Capital answered 100% on time and closed 31% with relief. See the whole Spring Oaks Capital record.

Spring Oaks Capital against other personal & payday lenders

#Company12 monthsChangeOn timeReliefAll time
1Affirm2,316+167%100%0%4,371
2Paramount GR904+262%99.8%0%1,538
3OneMain Financial765+18%100%7%3,344
4Klarna652+212%94%13%1,034
5Block (Cash App)447+213%96.2%2%702
6Enova (CashNetUSA, NetCredit)434+7%100%0%2,775
7CCF Intermediate388-18%99.7%8%1,368
8Upgrade291+62%100%2%923
9Upstart276+35%99.6%2%910
10SoFi276+57%100%10%563
11Truist274+37%99.6%11%958
12Uprova Credit257+118%100%0%466
13Spring Oaks Capital13new100%31%46

Every lender ranked

Latest Spring Oaks Capital payday & personal loans complaints

ReceivedAboutIssueStateAnswerOn time
Sep 2, 2024Payday & personal loansProblem with a company's investigation into an existing problemTheir investigation did not fix an error on your reportVAExplainedYes
Apr 4, 2024Payday & personal loansProblem with the payoff process at the end of the loanSCExplainedYes
Apr 3, 2024Payday & personal loansCredit monitoring or identity theft protection servicesDidn't receive services that were advertisedTXExplainedYes
Mar 14, 2024Payday & personal loansIncorrect information on your reportAccount information incorrectOHExplainedYes
Mar 8, 2024Payday & personal loansProblem with a company's investigation into an existing problemProblem with personal statement of disputeARExplainedYes
Mar 4, 2024Payday & personal loansImproper use of your reportReporting company used your report improperlyTXExplainedYes
Oct 8, 2023Payday & personal loansStruggling to pay your loanTXExplainedYes
Oct 1, 2023Payday & personal loansIncorrect information on your reportAccount information incorrectGAExplainedYes
Jul 16, 2023Payday & personal loansLoan payment wasn't credited to your accountTNExplainedYes
Mar 3, 2023Payday & personal loansCharged fees or interest you didn't expectCAExplainedYes
Jan 23, 2023Payday & personal loansCharged fees or interest you didn't expectOHExplainedYes
Jan 2, 2023Payday & personal loansCharged fees or interest you didn't expectPAExplainedYes
Jul 12, 2022Payday & personal loansIncorrect information on your reportInformation belongs to someone elseIAExplainedYes
Feb 16, 2022Payday & personal loansStruggling to pay your loanSCExplainedYes
Jan 29, 2022Payday & personal loansCharged fees or interest you didn't expectSCExplainedYes
Jan 11, 2022Payday & personal loansReceived a loan you didn't apply forTNFixedYes

Your rights with personal & payday lenders

You can revoke permission for a lender to take automatic payments from your account by telling the lender and your bank. Many states cap interest or ban payday loans altogether, and the Military Lending Act caps most loans to active-duty servicemembers and their families at 36% APR.

Scam warning: A real lender never asks for a fee up front, a gift card or a "deposit" before sending a loan. Check the lender is licensed in your state.

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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