Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:12/19/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a notice that I have a collection from SPRING OAKS CAPITAL LLC on my credit report. It says it was opened on Mar 24, 2022, for $ ***** with account number starting in XXXX that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** *** *****.
  
  I would like for this collection to be removed asap or I will file a **** *** *** report.

  

  Business Response

  Date: 12/23/2022

  Thank you for submitting your concerns. Spring Oaks Capital, LLC
  is focused on consumer treatment and compliance with all state and federal laws
  and regulations.  We respectfully disagree with the assertion contained
  within your complaint related to our handling of your account. On March 24,
  2022, we purchased your account that originated with ** **** ***** **** **** ******** mailed our initial letter to you on April 1, 2022, at the same
  address listed on your complaint. This letter advised you of your rights to
  dispute the account under the Fair Debt Collection Practices Act (FDCPA) and
  that a negative report reflecting your credit record may be submitted to a
  credit reporting agency if you fail to fulfill the terms of your credit
  obligations. Please note that we
  report the purchase date of your account (March 2022) as the open date in
  accordance Consumer Data Industry Association (CDIA) guidelines for credit
  reporting.
  
  We received your *** complaint and opened a dispute in response. We
  investigated your dispute and have determined that our reporting of your
  account is accurate. Our records reflect that your account was opened on June 24,
  2021, and your last payment prior to charge off was made on October 1, 2021, in
  the amount of *******. Your account later charged off on February 21, 2022, and
  the charge off balance was ********. A payment of ****** was made to our office
  on September 23, 2022, and the current balance owed is ********** We are
  sending you our response along with copies of your loan agreement and
  promissory note, borrower agreement, terms of use, E-sign Act Consent, credit
  profile authorization, Truth in Lending Disclosure statement, ACH
  authorization, and transaction ledger, bill of sale reflecting the sale of the account from *** *********s, LLC to
  Spring Oaks Capital, LLC, and subsequent transfer to Spring Oaks Capital SPV,
  LLC.
  
  Additionally,
  our records also reflect that on December 5, 2022, you spoke with one of our
  representatives and agreed to resolve your account in one payment of ********* on December 28, 2022, but called back on December 19, 2022, to inform us that
  you would not be able to keep the arrangement and requested a call back the
  next day. If you would like to establish an arrangement to resolve your
  balance, one of our knowledgeable and friendly agents is available to assist
  you. Please contact us at *************
  
  
  

• Initial Complaint

  Date:12/19/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt and I do not have a contract with Spring Oaks Capital. They did not provide me with the original application like I asked.

  

  Business Response

  Date: 12/23/2022

  Thank
  you for submitting your concerns.? We purchased your Indigo ********** account
  that originated with ****** **** **** *** *********** *** on October 29, 2021.?
  On November 1, 2021, we mailed our initial letter to you.? This letter advised
  you of your rights to dispute the account under the Fair Debt Collection
  Practices Act (FDCPA) and that a negative report reflecting your credit record
  may be submitted to a credit reporting agency if you fail to fulfill the terms
  of your credit obligations.? 
  
  We received your *** complaint and
  opened a dispute in response.? We are also in receipt of your disputes through
  the credit reporting agency. We investigated your disputes and have determined
  that our reporting of your account is accurate.? Our records reflect that your
  account was opened on December 3, 2018, and your last payment was made on April
  8, 2021, in the amount of ******** Your account later charged off on September 23,
  2021, and the current balance owed is ******** Along with our response we are
  sending you copies of your account documents including you application
  reflecting the same email and phone number as your complaint, cardholder
  agreement, and your account statements reflecting your purchases and payments.
  
  Should
  you have any additional questions or evidence showing that the account is
  invalid, please contact us a* *************

• Initial Complaint

  Date:12/12/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I do not have a contract with spring oak cap. They have failed to provide original contract as requested

  

  Business Response

  Date: 12/19/2022

  Thank
  you for submitting your concerns.? We purchased your Indigo Mastercard account
  that originated with ****** **** **** ******* ** Card Services, Inc. on April 29,
  2022.? On May 11, 2022, we mailed our initial letter to you.? This letter
  advised you of your rights to dispute the account under the Fair Debt
  Collection Practices Act (FDCPA) and that a negative report reflecting your
  credit record may be submitted to a credit reporting agency if you fail to
  fulfill the terms of your credit obligations.? 
  
  We
  received your *** complaint and opened a dispute in response.? We are also in
  receipt of your dispute submitted thought the credit reporting agency. We
  investigated your disputes and have determined that our reporting of your
  account is accurate.? Our records reflect that your account was opened on September
  16, 2019, and your last payment was made on September 1, 2011, in the amount of
  ******. Your account later charged off on April 7, 2022, and the current
  balance owed is ******** We are sending you our response along with copies of your
  account documents including your application reflecting the same email address
  and phone number as your complaint and account statements reflecting multiple
  purchases and payments.
  
  Should you have any additional
  questions or evidence showing that the account is invalid, please reach out to
  us at *************
  

• Initial Complaint

  Date:11/23/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Spring Oaks Capital LLC and do not have a contract with convergent. They did not provide me with the original application like I asked.

  

  Business Response

  Date: 12/02/2022

  Thank you for submitting your
  concerns. All collection efforts have been ceased and we are sending a request
  to the credit reporting agency to delete this account. Should you have any
  additional concerns or questions, please contact us at ###-###-####.
  

• Initial Complaint

  Date:11/22/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 12 ******* ********* and I do not have a contract with Spring Oaks Capital, LLC plus they did not provide me with the original application like I asked.
  
  account number: ********X
  amount disputed* *******

  

  Business Response

  Date: 11/30/2022

  We would like to thank you for submitting your concerns. Spring Oaks Capital, LLC is focused on consumer treatment and compliance with all state and federal laws and regulations. We purchased your Advanced Financial account on June 24, 2020. We mailed our initial letter to you on June 30, 2020, to the address listed on your complaint. This letter advised you of your rights to dispute the account under the Fair Debt Collection Practices Act (FDCPA) and that a negative report reflecting your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
  
  
  
  We received your complaint and opened a dispute in response. We have investigated your dispute and determined that our reporting of your account is accurate. Our records reflect that your account was opened on September 15, 2017, and your last payment was made on October 12, 2017, in the amount of $****** which was later returned on October 18, 2017. Your account later charged off on January 11, 2018, and the current balance owed is ******** We are sending you our response along with your account documentation including your flex loan plan disclosure and agreement, jury trial waiver and arbitration clause, billing rights, EFT authorization, and transaction ledger (reflecting withdrawals, a payment and your payment return).
  
  
  
  Should you have any questions or evidence showing that the account is invalid, please contact us at ###-###-####.
  
  
  

• Initial Complaint

  Date:11/22/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a notice that I have a collection from SPRING OAKS CAPITAL LLC on my credit report. It says it was opened on 07/01/2022 for $***with account number starting in 11196**** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the **** *** ******
  
  I would like for this collection to be removed asap or I will file * **** and *** report.

  

  Business Response

  Date: 11/29/2022

  Thank you for submitting your concerns. Spring Oaks Capital, LLC is focused on consumer treatment and compliance with all state and federal laws and regulations. We respectfully disagree with the assertion contained within your complaint related to the handling of your account. On June 29, 2022, we purchased your Milestone Mastercard account that originated with *** **** ** ******** **** ******* ** **** ********* **** We mailed our initial letter to you on July 8, 2022. This letter advised you of your rights to dispute the account under the Fair Debt Collection Practices Act (FDCPA) and that a negative report reflecting your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
  
  
  
  We received your BBB complaint and opened a dispute in response. We are also in receipt of your disputes through the credit reporting agency. We investigated your disputes and have determined that our reporting of your account is accurate. Our records reflect that your account was opened on September 10, 2021, and your last payment was made on January 7, 2022, in the amount of *******. Your account later charged off on May 27, 2022, and the current balance owed is $******. We are sending you our response along with your account statements reflecting purchases and payments.
  
  
  
  Should you have any questions, or evidence showing that the account is invalid, please contact us at *************
  
  
  

• Initial Complaint

  Date:11/22/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ****** Bank. I do not have a contract with Spring Oaks Capital, LLC. They did not provide me with the original application like I asked.

  

  Business Response

  Date: 11/30/2022

  Thank you for submitting your concerns. On December 30, 2021, we purchased your Indigo Mastercard account that originated with ****** Bank from Genesis FS Card Services, Inc. We mailed our initial letter to you on January 6, 2022. This letter advised you of your rights to dispute the account under the Fair Debt Collection Practices Act (FDCPA) and that a negative report reflecting your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
  
  
  
  We received your BBB complaint and opened a dispute in response. We investigated your dispute and have determined that our reporting of your account is accurate. Our records reflect that your account was opened on October 16, 2020, and your last payment was made on June 30, 2021. Your account later charged off on November 9, 2021, and the current balance owed is ******. We are sending you our response along with copies of your account statements reflecting multiple purchases and payments. Additionally, our records do not reflect that we have received any prior requests for debt validation. It may be helpful for you to discuss this matter with one of our knowledgeable and friendly agents by telephone.
  
  
  
  Should you have any additional questions or evidence showing that the account is invalid, please reach out to us at ************.
  
  
  

  Customer Answer

  Date: 12/02/2022

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  I am not liable for this account and I do not have a contract with Spring Oaks Capital LLC
  
  Sincerely,
  
  
  
  ****** **** **

• Initial Complaint

  Date:11/21/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The issue Started at the end of October I have called to change the date of my payments, from weekly to bi-weekly. The agent I spoke with didn't pay attention and used my husband's account not mine so payments were messed up we received over-draft charges. So I called again and spoke with another supervisor and supposedly this call wasn't recorded and notes put in, but I called on Nov 4th because payment had been taken and caused an overdraft few when there shouldn't have been a payment taken. I was told that auto-pay was taken off and a promise was put in my file to say I would be mailing in my payments due to the issues of the payments being messed up. This morning 11/21/22 at 7 am I called my bank because they pulled 2 more payments out of my account and the autopay should not have been on. So I called again and talked to S***** ***** who stated she was the Facilities Operations Manager and she claims to have finally taken off the auto pay. Since this has all started they took a total of 5 unauthorized payments because the autopay should have been off causing us $** *n NSF fees it would have been more but I had to cancel my auto and renters insurance payments because they took those two payments out of my account without permission. I informed my bank if they try to take any more payments out that it is fraud and theft. I also let Ms. ***** know this as well and she would not give me any kind of confirmation that my banking information with them had been deleted. I have severe anxiety and have an ESA animal. This situation has increased my anxiety through the roof. I am thinking of seeking legal counsel because of it. I am waiting to see if they return my payments and NFS fee. I doubt if they will as I was told once before it would be done but was not done. They are stealing from people hoping the people don't catch that they are still taking payments when they shouldn't be.

  

  Business Response

  Date: 11/30/2022

  Thank you for submitting your concerns. A refund in the amount of $****** was initiated in our office today. Please allow time for processing. Should you have any additional questions or concerns, please contact us at ###-###-####.

• Initial Complaint

  Date:11/15/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO 3rd party. I never gave this company any written consent to report anything on my consumer report. Please see attached documentation.

  

  Business Response

  Date: 11/21/2022

  Thank you for submitting your concerns. On August 31, 2021, we purchased your Indigo Mastercard account that originated with ****** **** **** ******* ** **** ********* **c. We mailed our initial letter to you on September 3, 2021, to the same address as your BBB complaint. This letter advised you of your rights to dispute the account under the Fair Debt Collection Practices Act (FDCPA) and that a negative report reflecting your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
  
  
  
  We received your BBB complaint and opened a dispute in response. We are also in receipt of your written dispute. We investigated your disputes and have determined that our reporting of your account is accurate. Our records reflect that your account was opened on August 21, 2020, and your last payment was made on November 25, 2020, in the amount of ******* Your account later charged off on July 13, 2021, and the current balance owed is ******** We are sending you our response along with copies of your account statements reflecting purchases and payments.
  
  
  
  Should you have any additional questions or evidence showing that the account is invalid, please reach out to us at ###-###-####.
  
  
  

• Initial Complaint

  Date:10/29/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not aware of this account. I have reached out to TransUnion Credit Bureau, and with SPRING OAKS CAPITAL LLC to have this account removed from my file and they are always saying the same excuse, which is no longer acceptable. I have filed this as an outcome of Identity Theft. Regardless of all actions done on my end, there was no action from TransUnion Credit Bureau. Thus, I am reaching out to seek assistance to have SPRING OAKS CAPITAL LLC confirm that I have no account with them and that the TransUnion Credit Bureau can simply remove it from my credit report.

  

  Business Response

  Date: 11/09/2022

  Thank you for submitting your concerns. We have received your complaint and opened a dispute in response. We have also received your disputes through the credit reporting agency. In order to further research your concerns, we will mail you a fraud affidavit packet for you to complete and return. If you have any questions or evidence showing that the account is invalid, please contact us at ###-###-####.