Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
XX/XX/year> SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation under 15 U.S.C. 1692g and Regulation F Account / Reference : XXXX Alleged Amount : {$520.00} To Whom It May Concern : I am writing to dispute and request validation of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p specifically 15 U.S.C. 1692g ( a ) and Regulation F ( 12 C.F.R. Part 1006 ), I request that you provide complete written validation and verification of this alleged debt. Do not contact me further about collection of this debt until you have provided the documentation requested below.

Please provide copies of the following items : The original creditors name, address, and account number.

A complete, itemized statement showing how you calculated the alleged balance of {$520.00}, including principal, interest, fees, and any other charges.

A copy of the original contract or signed application that you claim I signed bearing my signature ( or other admissible proof that I am legally obligated on this account ).

Documentation showing chain of assignment/ownership ( all bills of sale, assignments, or transfers ) from the original creditor to any subsequent owner or assignee, and specifically toSpring Oaks Capital, LLC. 

The name and address of the current creditor, and the name and address of the original creditor ( if different ). 

A full payment history for the account, showing all payments credited to the account and the date and amount of each payment. 

Proof that you are licensed to collect debts in my state ( or a copy of your license/registration ), and the name and license/registration numbers under which you are legally authorized to collect in [ XXXX ]. If you are relying on an attorney or third party, provide documentation of that authorization. 

Copies of any judgment ( if applicable ) and proof that any judgment is still enforceable. 

If you claim any charges were added after the alleged default, please provide documentation that such charges are permitted under the contract and applicable law. 

The name and address of any debt buyer or other party to whom my information has been sold, assigned, or transferred. 

Legal citations and rights : You must provide the validation requested pursuant to 15 U.S.C. 1692g ( a ).

Regulation F ( 12 C.F.R. Part 1006 ) implements debt-collection practices and requires collectors to provide clear, truthful disclosures and substantiation of debt collection claims.

The FDCPA also prohibits false, deceptive, or unconscionable means of collecting debts ( 15 U.S.C. 1692e, 1692f ).

If you furnish information about this alleged debt to any credit reporting agency, note that furnishers are subject to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ; you must report accurate information and investigate any dispute. I specifically request you refrain from reporting or continue reporting this alleged debt to any consumer reporting agency until you have completed your verification and provided me with the requested documentation.

If I notify you in writing to cease further communications, you must cease communications except as permitted by 15 U.S.C. 1692c ( c ).

If you do not provide the requested verification within 30 days of receipt of this letter, or if you can not substantiate that you are legally entitled to collect this debt, you must ( 1 ) cease collection activities related to this account, ( 2 ) cease reporting the debt to any credit reporting agency, and ( 3 ) confirm in writing that you have closed your file on this account and will not attempt to collect it further.

This is a request for validation and is not an admission of liability for the alleged debt. Please respond to me in writing at the address above. I prefer delivery by certified mail, return receipt requested.

Company response to consumer: Closed with non-monetary relief