Debt collection
Spring Oaks Capital: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 276
- Closed with money back
- 0%
- 2023 to 2025
- 39 to 165
Servicemembers filed 4.5% of Spring Oaks Capital's 6,137 complaints in the window, against 2.5% across the directory. The complaints are mostly about debt collection, and the single most common issue is "Attempts to collect debt not owed". 0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 39 in 2023 to 165 in 2025.
What the complaints are about
By product
| Debt collection | 194 |
| Credit reporting or other personal consumer reports | 67 |
| Credit reporting, credit repair services, or other personal consumer reports | 8 |
| Payday loan, title loan, personal loan, or advance loan | 3 |
| Credit card | 2 |
By issue
| Attempts to collect debt not owed | 89 |
| Incorrect information on your report | 41 |
| Written notification about debt | 40 |
| False statements or representation | 26 |
| Improper use of your report | 25 |
| 2023: 39 | 2024: 72 | 2025: 165 |
Which accounts, specifically
| I do not know | 105 |
| Credit reporting | 78 |
| Credit card debt | 64 |
| Payday loan debt | 18 |
| Other debt | 13 |
What went wrong, specifically
| Debt is not yours | 52 |
| Debt was result of identity theft | 35 |
| Information belongs to someone else | 28 |
| Didn't receive enough information to verify debt | 24 |
| Attempted to collect wrong amount | 24 |
Busiest month: March 2025, with 20 servicemember complaints. Most were submitted by web.
Most complaints came from GA (48), TX (45), FL (24) , then SC, AL, VA.
How Spring Oaks Capital answered
| Closed with explanation | 193 | 70% |
| Closed with non-monetary relief | 83 | 30% |
Spring Oaks Capital responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Debt collection; Threatened to contact someone or share information improperly. CT, 2024-08-26. Outcome: Closed with explanation. Complaint 9924227
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Debt collection; Attempts to collect debt not owed. PA, 2024-08-23. Outcome: Closed with explanation. Complaint 9901247
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Debt collection; Electronic communications. LA, 2024-08-14. Outcome: Closed with non-monetary relief. Complaint 9782197
If this is your problem at Spring Oaks Capital
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with debt collection peers
- Radius Global Solutions 277 servicemember complaints; 0% with money back
- Hw 285 servicemember complaints; 0% with money back
- Caine & Weiner 305 servicemember complaints; 0% with money back
- ProCollect 245 servicemember complaints; 0% with money back
- T.s. 322 servicemember complaints; 0% with money back
Next in the directory by volume: Toyota Financial Services, Upgrade, Credit Karma.
Frequently asked questions
How many complaints did servicemembers file against Spring Oaks Capital?
276 complaints tagged servicemember were received by the CFPB about Spring Oaks Capital, LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 39 in 2023 to 165 in 2025.
What do servicemembers complain about most at Spring Oaks Capital?
Debt collection accounts for 194 of the 276 complaints, and the most common issue is "Attempts to collect debt not owed" (89). Next: "Incorrect information on your report" (41).
Does Spring Oaks Capital give money back when a servicemember complains?
0% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 83 closed with non-monetary relief and 193 closed with an explanation only. Spring Oaks Capital answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.