Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Live Oak Financial, Inc
State: GA

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX XXXX failure to validate alleged debts and their continued misleading collection practices. Live Oak Financial is a debt collector for the original creditors XXXX XXXX XXXX and XXXX XXXX XXXX. 

In XX/XX/year>, I received a mailed and emailed notice from Live Oak Financial regarding an alleged debt owed to XXXX XXXX XXXX XXXX. The notice included a balance of {$1300.00}, reference number XXXX, and an AP-style account number XXXX. However, I only discovered the XXXX XXXX account number ending in XXXX when reviewing my XXXX  credit report later in XXXX. The notice instructed that I could dispute the debt by XX/XX/year>, and stated that collection efforts must stop until verification was provided ( see XXXX XXXX XXXX ). 

Within the XXXX period, I submitted a written dispute in XX/XX/year> by sending the cutoff portion of the PDF form provided by XXXX XXXX XXXX, following their instructions exactly. A copy of this submission is not available, but it was sent according to the instructions in the notice. I received no response or verification. 

Between XX/XX/XXXX and XX/XX/year>, I received XXXX email communications from Live Oak Financial regarding XXXX XXXX XXXX / XXXX, account XXXX, with a balance of {$20.00}. These emails contained details inconsistent with the original XXXX XXXX XXXX notice, creating confusion about the validity and source of the debt. I do not have an AP-style account number for the XXXX XXXX XXXX XXXX XXXX account. The email communications are included as attachments : XXXX, XXXX XXXX, and XXXX. 

On XX/XX/year>, I submitted a debt verification request via Live Oak Financials official customer service form regarding XXXX XXXX XXXX / XXXX ( Live Oak reference XXXX ), referencing my previous XXXX submission. I requested full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including documentation of their authority to collect the debt, itemized billing, and account history. I also requested that all communications remain in writing and that I not be contacted by phone. My verification requests are included as XXXX. 

On XX/XX/year>, I submitted a follow-up verification request via the same customer service form covering both accounts appearing on my XXXX  credit report : XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX Physician Group XXXX XXXX XXXX XXXX XXXX I requested complete documentation, clarification of balances and adjustments, account histories, and confirmation of whether the {$20.00} balance for XXXX XXXX XXXX was part of the same account reported to Equifax ending in XXXX XXXX a separate account. I also requested that all collection activity cease until verification was provided and that all communications remain in writing. 

Dispute results showing removal from Equifax are attached as XXXX  XXXX and Dispute XXXX. 

Despite multiple attempts to request verification, including the XXXX XXXX  form submission and the XX/XX/XXXX and XX/XX/XXXX online submissions, I have received no response or validation from Live Oak Financial or XXXX-XXXX  XXXX. They have continued reporting inconsistent account information to Equifax and sending misleading communications, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Untimely response