Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, MD Email : XXXX Phone : XXXX Date : XXXX XXXX XXXX Spring Oaks Capital LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute of Debt Request for Debt Validation and Chain of Assignment To Whom It May Concern, I am writing to formally dispute the alleged debt of {$730.00}, which you claim I owe. I do not acknowledge this debt and, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request full validation and proof of this debt within 30 days from the date of this letter.

1. Demand for Debt Validation Per FDCPA 809 ( 15 U.S.C. 1692g ), please provide the following documentation : - The original signed agreement or contract bearing my signature, indicating my responsibility for this debt. 
- A detailed itemization of the {$730.00} balance, including principal, interest, late fees, and collection costs. 
- A full chain of assignment, demonstrating that Spring Oaks Capital LLC has the legal authority to collect this debt. This should include all assignments, transfers, and purchase agreements from the original creditor to your agency, as required under 15 U.S.C. 1692e ( 2 ) ( A ) and 15 U.S.C. 1692f ( 1 ).

- Proof that Spring Oaks Capital LLC is legally authorized to collect debts in Maryland, including your collection license number and registered agent information.

2. Immediate Cease and Desist on Collection Activity Since I dispute this debt and have not received proper legal notice, any attempt to proceed with collection activities would violate my due process rights under the FDCPA and Consumer Financial Protection Bureau ( CFPB ) regulations. Until this debt is properly validated, you must immediately cease all collection activity, or risk violating 15 U.S.C. 1692e ( false or misleading representations ) and 15 U.S.C. 1692f ( unfair or unconscionable collection practices ).

3.Notice of Legal Action if Non-Compliance Occurs Failure to provide the required validation within 30 days of receipt of this letter will result in the following actions : - A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Maryland Attorney General 's office for potential violations of federal and state consumer protection laws. 
- Possible legal action against Spring Oaks Capital LLC for violations of the FDCPA, including seeking statutory damages of up to {$1000.00} per violation, plus actual damages and legal fees per 15 U.S.C. 1692k.

4.No Telephone Communication Allowed Under 15 U.S.C. 1692c ( c ), I formally request that all communication regarding this alleged debt be conducted in writing only. Any further contact via phone will be considered harassment and reported accordingly. Additionally, reporting this alleged debt to any credit reporting agency constitutes a form of communication and is therefore prohibited under this request. Any such reporting will be considered a violation of my rights under the FDCPA and will be pursued accordingly. 

This letter serves as legal notice under the FDCPA that I dispute this debt, demand full validation, and request that any collection efforts be halted until full compliance with the law is met. If you fail to provide proper validation, you must delete this account from my credit report and cease all collection activities immediately. 

Please respond to this request in writing to the address provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief