Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am writing to file a complaint against Spring Oak Capital XXXX for unfair and deceptive practices in violation of the Fair Credit Reporting Act ( FCRA ) concerning an account associated with my name and Social Security Number ( SSN ) * * * *, identified by account number XXXX. 

Spring Oak Capital has reported negative information regarding the above account to credit bureaus without properly validating the debt, which is a violation of Section 609 of the FCRA. This section mandates that consumers have the right to request and obtain a validation of the debt. 

Despite formally disputing the debt and requesting validation as required by Section 809 of the FCRA, the company has failed to provide any documentation or evidence to substantiate their claim. This failure is in direct violation of my rights under this XXXX. 

Furthermore, Spring Oak Capital was sold the alleged debt without my explicit consent. This practice infringes upon my consumer rights and violates provisions related to privacy and consent under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, these laws require that a consumer be informed and provide consent before their debt is sold or transferred. 

I seek the immediate removal of the claimed debt from my credit report and proper validation of the debt in question, along with any necessary corrections to the reporting made by Spring Oak Capital to ensure compliance with the FCRA and FDCPA. 

I appreciate your attention to this matter and look forward to your assistance in resolving these serious violations. 

Thank you for your prompt consideration. 
Reason for Cease and Desist Despite my request for you to cease all communications, I have continued to receive repeated correspondence and phone calls from your office. Not only have these communications persisted after my initial cease and desist letter was submitted on XX/XX/year> they have included the following concerning behaviors : XXXX. Threats of Involvement with Police Department : During a recent phone call, a representative from your office stated that they were affiliated with the police department and implied legal repercussions if I did not pay the alleged debt. This interaction was not only inappropriate but also made me feel unsafe and unfairly pressured. 

XXXX. Continued Attempts to Collect a Debt : I have documented instances of phone calls and emails that continued after my cease and desist request, clearly indicating that you have ignored my rights as a consumer under the FDCPA. 

As per XXXX XXXX, I am informing you that any further attempts to collect this debt, either through phone calls or emails, will be considered harassment. I will take appropriate legal action should this behavior continue. 

Request for XXXX I expect you to take this matter seriously and cease all attempts to communicate with me regarding this alleged debt immediately. Furthermore, I request written confirmation that my cease and desist request has been acknowledged, and that you will no longer contact me.

Company response to consumer: Closed with non-monetary relief