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Who is Spring Oaks Capital?

Spring Oaks Capital, also operating as Spring Oaks, is a debt collection agency. If they've contacted you, they believe you owe a debt.

That's not proof the debt is yours — and it doesn't change what the FDCPA stops them doing.

Send a cease & desist — $30Log this call — free

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SP

Spring Oaks Capital

Also known as Spring Oaks

Known number
(866) 539-7525
1
Mailing address
PO Box 1216, Chesapeake, VA, 23327
2
CFPB complaints
4,244 since August 17, 2025
3
Governed by
FDCPA · 15 U.S.C. § 1692
4
Your options
A cease & desist legally stops contact once they receive it
5

Phone numbers used by Spring Oaks Capital

A collection agency runs many lines. If any of these called you, it was them — and each has its own page with what to do next.

Where to send a letter to Spring Oaks Capital

Spring Oaks Capital

PO Box 1216

Chesapeake, VA, 23327

www.springoakscapital.com

Cease & desist and debt-validation letters only take effect once received, so they go by certified mail with tracking.

Complaints about Spring Oaks Capital

Consumers filed 4,244 debt-collection complaints against Spring Oaks Capital with the Consumer Financial Protection Bureau since August 17, 2025. The most common was attempts to collect debt not owed.

  • Attempts to collect debt not owed2,100
  • Took or threatened to take negative or legal action1,025
  • Written notification about debt556
  • False statements or representation429

62% were closed with monetary or non-monetary relief. Filed most often from TX, GA, FL, SC, AL.

Complaints are unverified allegations submitted by consumers to the CFPB, not findings of wrongdoing. Counts also rise with the number of accounts an agency holds, so a larger collector will report more than a smaller one. Figures are counted from the CFPB's public Consumer Complaint Database and are filed under the registrant name Spring Oaks Capital, LLC.

If any of this matches your experience, start a file — a documented pattern is what turns a complaint into evidence. You can also complain to the CFPB directly.

What Spring Oaks Capital is not allowed to do

  • Call before 8:00 a.m. or after 9:00 p.m. your local time (§ 1692c(a)(1)).
  • Keep contacting you after you've asked in writing that they stop (§ 1692c(c)).
  • Discuss your debt with your family, employer or neighbours (§ 1692c(b)).
  • Threaten action they can't or don't intend to take (§ 1692e(5)).
  • Continue collecting after a written dispute until they've sent verification (§ 1692g(b)).

Read the fuller list on your rights under the FDCPA, and check your state's additional protections.

Stop the calls

Or let us send the cease & desist for you.

Once Spring Oaks Capital receives written notice to stop contacting you, § 1692c(c) requires them to stop. We draft it against your file, print it, and send it certified with tracking — so you have proof of the date they received it.

  • Drafted from your logged contacts
  • Printed and mailed certified, with tracking
  • Delivery date filed to your evidence vault
  • You approve the wording before it goes
Send a cease & desist — $30

One-time, no subscription. Logging calls is free — you only pay when a letter goes out.

This is general information, not advice

Collector Audit is not a law firm and this page is not legal advice. Directory details are collected from public sources and user reports and can go out of date — confirm an address before relying on it. See our full disclaimer.