Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Dear Spring Oak Capital, I am writing to follow up on my previous request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

To date, your office has failed to provide sufficient documentation validating the debt in question, including the chain of custody or proof of assignment from the original creditor to your agency. As such, you have not established legal authority to collect on this account.

In accordance with my rights under federal law, I am now formally requesting the following : Immediate cessation of all collection activities related to this unverified debt Deletion of any reporting to the credit bureaus ( XXXX XXXX XXXX XXXX  ) Written confirmation that this account will not be pursued without proper validation Please be advised that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 



This email serves as written documentation of your agencys failure to validate this debt. If you believe you do have legal grounds to collect, please provide full documentation, including : A copy of the original signed agreement The full history of the debts ownership ( chain of custody ) Proof of your agencys legal authority to collect in my state If I do not receive a satisfactory response within XXXX business days, I will proceed accordingly. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX Last XXXX Subject : Debt collector refusing to provide required validation and ignoring specific documentation requests Details of Complaint : I am disputing an alleged debt with Spring Oaks Capital , LLC ( Reference No. : XXXX ) that they claim was originally owed to XXXX XXXX XXXX of Alabama. 

On XX/XX/year> I sent Spring Oaks Capital a written request under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) requesting : 1. The chain of assignment/ownership showing how the debt was transferred from the original creditor to them.

2. A copy of the original signed agreement creating the alleged obligation.

3. An itemized accounting of the balance.

They have never provided these documents. On [ insert date of their most recent response ], they sent a letter stating they would not re-investigate because my dispute is substantially the same as a prior dispute but they have never provided the documentation I specifically requested.

This violates my right to full debt validation before further collection activity and my right to an accurate credit report under the FCRA. They are still attempting to collect the debt and/or reporting it to credit bureaus without proper validation.

Requested Resolution : Require Spring Oaks Capital to provide the complete chain of ownership, original signed agreement, and itemized accounting. 
Until they do, require them to cease all collection activity and remove the account from all credit reporting agencies. 
Take appropriate enforcement action for violations of the FDCPA and FCRA. 

Attachments : My original debt validation request letter Their inadequate response dated [ insert date ] This CFPB complaint

Company response to consumer: Closed with non-monetary relief