Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX and all related parties for their willful submission of fraudulent documents, forgery of financial instruments, identity theft, and what amounts to extortionate collection attempts, which have directly harmed my creditworthiness, financial standing, and emotional well-being. 

In response to my dispute concerning an alleged deficiency balance related to my XXXX XXXX XXXX loan, XXXX XXXX XXXX produced multiple, conflicting debt validation packets. After I initially disputed the balance and requested a full unredacted debt validation, XXXX XXXX XXXX initially provided heavily redacted documents that excluded critical details, including my {$500.00} down payment and the {$8000.00} trade-in credit from my XXXX XXXX XXXX XXXX 

Upon further requests and after filing a CFPB complaint, XXXX XXXX XXXX suddenly submitted a second version of documents through the CFPB XXXX that contained material alterations : A fabricated financial contract referencing XXXX of XXXX XXXX, which was not the dealership involved in the original transaction. My purchase was through XXXX XXXX. 
Newly introduced documentation that was not present in their original debt validation packet, indicating that this paperwork was manufactured after the initial disputes were raised. 
My signature appears forged, inconsistent with my original signed contract. The entire layout, format, timestamps, and content of this newly submitted packet materially differ from the original contract. 
The fraudulent submission intentionally attempts to justify the inflated deficiency balance of {$2600.00} that should not exist following a full insurance payout of ~ {$25000.00} after the vehicle was declared a total loss. 

XXXX XXXX XXXX is attempting to collect this fabricated balance using falsified documents in a federal investigation. Their actions constitute : Forgery of financial documents Fraudulent misrepresentation of contractual terms Identity theft and misuse of personal identifying information Obstruction and deception in a federal agency investigation ( CFPB ) Violations of 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681i, 15 U.S.C. 1692g, and 15 U.S.C. 1681s-2 Potential criminal violations under 18 U.S.C. 1001, 1028, and 894 ( extortionate collection attempts and identity fraud ) Their fabricated documents amount to a fraudulent scheme to ransom my credit file, placing unlawful financial pressure upon me in an attempt to collect a balance that is not legally owed. This is not simply a dispute over debt this is an orchestrated attempt to falsify records, forge legal documents, and manipulate my consumer credit file with full knowledge of the legal consequences. 



Requested Relief : I am demanding full deletion of this fraudulent debt from all consumer reporting agencies. 
I am requesting a full investigation into XXXX XXXX Capitals submission of falsified documents. 
I request that the CFPB refer this matter to the FTC, DOJ, and State Attorney General for further criminal review. 
I request statutory, actual, and punitive damages for the extensive harm this has caused me financially and emotionally. 

This behavior is not a clerical error this is deliberate, systemic, and predatory. I expect swift intervention by the CFPB.

Company response to consumer: Closed with non-monetary relief