Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Hello XXXX XXXX I'm reaching out to you today because I don't know what else to do, I have to move at the end of XXXX and I'm trying to buy my first house I've had a few things on my credit report that I've been trying to get removed and I've got everything removed besides this one company springs oaks capital they refuse to remove the debt they're saying that it's verified and updated. They refuse to remove the debt and it's causing me so much hardship and when I express this to them along with my disappointment they told me that the debt was sold to them and told me who the original creditor was which was XXXX XXXX XXXX also known as world finance. The reason why my identity theft claim was denied the first time was because they said the previous address was mines which makes sense because my wallet was stolen containing my ID my social security card my son social security card my insurance card my son insurance card all this is information is listed in my police report so I opened up another identity theft claim, the second claim was denied because they alleged I walked into the loan branch and got the loan with my ID which infuriated me that the company allowed somebody to walk in with my identification and get a loan in my name and now you're currently holding me accountable for it .The third time they denied my claim was because they said my references was updated and identified to be mines and I asked them well how did you come up with this conclusion did you compare it to my credit report like how do you know that these said references belong to me and they told me nothing they just said they won't remove the account I can open up another claim but I don't see how it make a difference considering I have no new information to give on that note I filed so many claims and I would like you to investigate these people for fraud because this company are using people 's personal identification and opening up loans for people Even if they don't look like the person on the picture ID and I'm having a very hard time receiving video footage or any contracts that I so call signed, when I ask for the contract she said I couldn't be giving the contract because I said that it was identity theft, and I was like well if your acknowledging that it's identity theft then why can't this item be removed and if you refuse to remove it then why can't I have a copy of the contracts in a copy of the footage since one of the main reasons why I was denied was because I walked in with my ID I should be able to preview the footage that shows me walking in with my ID allegedly and she told me there's nothing else she can do for me besides help me open up another claim and I've done it three times as of the last 2 months and about four or five times in the past year when my identity got stolen My mom had just died suddenly and I wasn't aware of it until I got something to court a year later for a speeding ticket and I don't even have a car or my license I've always played it safe in did what I was supposed to do followed all the rules and it's not paying off because I'm going through so much for no reason and no one 's helping me and I'm so frustrated and I'm running out of time, I don't want to miss out on this grant or this home loan and I can't get approved for neither because of this company and they won't remove it and I don't want to lose this opportunity all because they won't remove something from my credit that was never supposed to be there in the first place please help me because I don't know who else have experienced this but I'm experiencing this and they're not trying to work with me at all they absolutely refuse to remove the debt

Company response to consumer: Closed with explanation