Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
( See Attached Document ) - This is a very serious matter - Creating fraudulent documents, making false accusations is not to be taken lightly here. 
On XX/XX/XXXX, I retrieved the attached documents from my mailbox that was from Spring Oak Capital.

I have a great concern and found the copies of proclaimed letters and copies of proclaimed emails to be fraudulent documents. 
Yes, I understand fraud is serious and Im shocked that someone would create documents based on a lie. 
Creating fraudulent documents, making false accusations is not to be taken lightly here. 
Here are my findings ; Page 1 : No contact name for Spring Oak Capital is not provided Page 2 : ( Fraudulent Document ) I never received a copy of this document from them Page 3 : ( Fraudulent Document ) The copy of this letter is dated XX/XX/2020 and they are stating this is the first correspondence letter that they mailed to me and I say that this document was just created by Spring Oak Capital due to my XXXX complaint against them. 
b. Once again there is no contact name provided c. This copy of a letter is dated XX/XX/2020 and was NEVER mailed to me by Spring Oak Capital d. The copy they have provided has the wrong address because it does not contain my apartment number.

Page 4 : ( Fraudulent Document ) This is a copy of a letter that was just created due to the XXXX Complaint and no such letter was ever mailed to me. 
Page 5 : ( Fraudulent copy of an email sent to me ) This is not the copy of an email that was sent to me because SPRING OAK CAPITAL NEVER HAD MY EMAIL ADDRESS UNTIL THEY RETRIEVED IT FROM THE XXXXB COMPLAIN INFORMATION PANEL! 
b. This is how we know that the email copy is a fraud. If you have sent someone an email and provide that someone with a copy of the email that you sent to them, the format for the header of the email is as follows ; -- -- -- Original Message -- -- -- From : ( Email address of the send will appear here ) Sent : ( The date and time stamp that the email was sent will go here ) To : ( Email address of the person the email was sent to will go here ) Subject : ( Subject of the email sent will be here ) The format of the header on the copy that Spring Oak Capital sent was a fraud that they created.

c. Inside the email address they are showing for me XXXX with my name XXXX XXXX XXXX IS NOT HOW MY NAME SHOWS WITH MY EMAIL ADDRESS. THIS IS HOW I AM CERTAIN THE EMAIL SHOWN IS TYPED BY THEM AND IS A FRAUD! 
d. Also on PAGE # 6 Spring Oak Capital is showing a fraudulent payment of {$20.00} from me dated on XX/XX/2020. I have never spoken with them on the phone or via email and this is FRAUD! SHOW ME WHAT FORM OF PAYMENT FROM ME WAS PROVIDED TO YOU FOR THIS {$20.00} PAYMENT YOU ARE SHOWING ON PAGE {$6.00}. ALSO, IF A PAYMENT OF {$20.00} AS YOU ARE ALLEGING WAS PAID TO YOU, IT IS NOT BEING REFLECTED IN THE BALANCE SHOWING ON PAGE # 5.

Page 6 : ( Fraudulent copy of an email sent to me ) The copy of this email is dated for XX/XX/2020. On this copy at the bottom you have the word Unsubscribe. This word by law is placed at the bottom of an email sent by a company which allows the receiver of the email to Opt Out of receiving additional emails from the company. If this is a COPY OF AN EMAIL YOU SENT TO ME, WHERE IS THE EMAIL HEADER? The email header would be on the top of the email message, once again showing the following ; -- -- -- Original Message -- -- -- From : ( Email address of the send will appear here ) Sent : ( The date and time stamp that the email was sent will go here ) To : ( Email address of the person the email was sent to will go here ) Subject : ( Subject of the email sent will be here ) b. You are showing and noting A PAYMENT OF {$20.00} PAID BY ME ON XX/XX/2020. I HAVE NEVER SPOKEN TO YOUR COMPANY ON THE PHONE OR BY EMAIL AND I HAVE NEVER MADE A PAYMENT OR PROVIDED A PAYMENT ARRANGEMENT WITH YOUR COMPANY! 
THIS IS FRAUD!!

Page 7 : ( Fraudulent copy of an email sent to me ) The copy of this email is dated XX/XX/2020. You never had my email address until you RETRIEVED IT FROM THE XXXX  COMPLAINT INFORMATION PANEL! 
b. This is how we know that the email copy is a fraud. If you have sent someone an email and provide that someone with a copy of the email that you sent to them, the format for the header of the email is as follows ; -- -- -- Original Message -- -- -- From : ( Email address of the send will appear here ) Sent : ( The date and time stamp that the email was sent will go here ) To : ( Email address of the person the email was sent to will go here ) Subject : ( Subject of the email sent will be here ) The format of the header on the copy that Spring Oak Capital sent was a fraud that they created.

c. Inside the email address they are showing for me XXXX with my name XXXX XXXX XXXX IS NOT HOW MY NAME SHOWS WITH MY EMAIL ADDRESS. THIS IS HOW I AM CERTAIN THE EMAIL SHOWN IS TYPED BY THEM AND IS A FRAUD! 

d. Also on PAGE # 6 Spring Oak Capital is showing a fraudulent payment of {$20.00} from me dated on XX/XX/2020. I have never spoken with them on the phone or via email and this is FRAUD! SHOW ME WHAT FORM OF PAYMENT FROM ME WAS PROVIDED TO YOU FOR THIS {$20.00} PAYMENT YOU ARE SHOWING ON PAGE {$6.00}. ALSO, IF A PAYMENT OF {$20.00} AS YOU ARE ALLEGING WAS PAID TO YOU, IT IS NOT BEING REFLECTED IN THE BALANCE SHOWING ON PAGE # 5 AND PAGE # 7 Page 8 : THESE COPIES WERE NEVER MAILED TO ME AND IVE NEVER SEEN THEM BEFORE UNTIL XX/XX/XXXX PAGE 9 : THESE COPIES WERE NEVER MAILED TO ME AND IVE NEVER SEEN THEM BEFORE UNTIL XX/XX/XXXX PAGE 10 : : THESE COPIES WERE NEVER MAILED TO ME AND IVE NEVER SEEN THEM BEFORE UNTIL XX/XX/XXXX I AM JUST APPAULLED AT THE LIES AND FRAUD THAT HAS OCCURRED HERE!! 

A CONTACT PERSON NAME HAS NOT BEEN PROVIDED ON ANY DOCUMENTS SO WE DONT HAVE A NAME TO TIE BACK TO THE FRAUD HERE!

Company response to consumer: Closed with explanation