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National Credit Systems vs Spring Oaks Capital

On the complaint record, Spring Oaks Capital scores higher (89/100 against 51): it answered 100% on time and gave relief in 58% of closed complaints, against 99.9% and 0% for National Credit Systems.

National Credit Systems
Spring Oaks Capital
National Credit SystemsSpring Oaks Capital
Response Score51/10089/100
Complaints, last 12 months7,4635,662
Change on the year before+41%+64%
Answered on time99.9%100%
Closed with relief0%58%
Closed with money back0%0%
Complaints, all time22,53211,760
Top problemAttempts to collect debt not owedAttempts to collect debt not owed
Visitors' rating--

Highlighted: the better figure. Bigger companies get more complaints, so compare the shares and the trend rather than the totals.

National Credit Systems by month

Spring Oaks Capital by month

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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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