Who Called From 215-715-9628?
Short answer: 215-715-9628 is a number used by Spring Oaks Capital SPV, LLC (Spring Oaks Capital SPV, LLC), a debt buyer based in Chesapeake, VA — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2097721-dca on file, address of record in chesapeake, va. They are almost certainly trying to collect a debt, most often credit card debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 215-715-9628?
The number 215-715-9628 is used by Spring Oaks Capital SPV, LLC (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2097721-dca on file, address of record in chesapeake, va), a debt buyer in Chesapeake, VA. For the full company profile — ownership, history, and known aliases — see our complete Spring Oaks Capital SPV, LLC guide. This page focuses on the calls coming from 215-715-9628 specifically.
About this specific number
- 📞 Number: 215-715-9628 (area code 215, ending in 9628)
- 📍 Line type: Direct-dial — resolves to Philadelphia, Pennsylvania.
- 🏢 Operator: Spring Oaks Capital SPV, LLC, a debt buyer in Chesapeake, VA.
- 🔢 Related lines: Spring Oaks Capital SPV, LLC is documented using 1 number in our directory, so calls may also come from other digits.
215-715-9628 is a direct-dial number tied to Philadelphia, Pennsylvania, which is why the call may have appeared "local" on your caller ID even though Spring Oaks Capital SPV, LLC operates out of Chesapeake, VA.
Some carriers display 215-715-9628 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Spring Oaks Capital SPV, LLC.
On your caller ID, in voicemails, or in letters, this company can also appear as: Spring Oaks Capital SPV, LLC.
Why Is Spring Oaks Capital SPV, LLC Calling Me From 215-715-9628?
In our directory, 215-715-9628 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2097721-dca on file, address of record in chesapeake, va for Spring Oaks Capital SPV, LLC, which typically collects credit card debt, charged-off consumer accounts. A call from 215-715-9628 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was sold to Spring Oaks Capital SPV, LLC, which now owns the debt and is trying to collect the full balance.
- ✅ Spring Oaks Capital SPV, LLC is now dialing you from 215-715-9628 and possibly other lines to reach a resolution.
Calls from 215-715-9628 often come right after a billing cycle closes. Some people report that 215-715-9628 calls once and hangs up, then tries again from a different Spring Oaks Capital SPV, LLC line hours later. A single missed call is not proof of a valid debt. When 215-715-9628 shows up on your caller ID, it is worth checking whether the Spring Oaks Capital SPV, LLC account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Spring Oaks Capital SPV, LLC prove the credit card debt in writing first.
Important: a phone call — even from a real number like 215-715-9628 — does not prove you owe the debt, that the amount is correct, or that Spring Oaks Capital SPV, LLC can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 215-715-9628
Anything you say to Spring Oaks Capital SPV, LLC can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 215-715-9628 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Spring Oaks Capital SPV, LLC.
Don't agree to a payment on the spot
A single payment to Spring Oaks Capital SPV, LLC — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 215-715-9628.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 215-715-9628. Any legitimate Spring Oaks Capital SPV, LLC resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 215-715-9628 caller. If it truly is your Spring Oaks Capital SPV, LLC account, they should already have what they need and must prove it.
What To Do If 215-715-9628 Keeps Calling
Here are concrete next steps for this specific Spring Oaks Capital SPV, LLC line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 215-715-9628 as a contact labeled "Spring Oaks Capital SPV, LLC — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 215-715-9628 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Spring Oaks Capital SPV, LLC identify the original creditor behind the 215-715-9628 calls and the date the debt was opened.
Your Rights When Spring Oaks Capital SPV, LLC Calls From 215-715-9628
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Spring Oaks Capital SPV, LLC a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Spring Oaks Capital SPV, LLC reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 215-715-9628: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Spring Oaks Capital SPV, LLC stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Spring Oaks Capital SPV, LLC generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Spring Oaks Capital SPV, LLC from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 215-715-9628
We investigate the specific Spring Oaks Capital SPV, LLC account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Spring Oaks Capital SPV, LLC account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Spring Oaks Capital SPV, LLC. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
215-715-9628 — Frequently Asked Questions
Who is calling me from 215-715-9628?
215-715-9628 is a direct-dial line associated with Spring Oaks Capital SPV, LLC (also seen as Spring Oaks Capital SPV, LLC), a debt buyer headquartered in Chesapeake, VA. The number resolves to Philadelphia, Pennsylvania. If you received a call from 215-715-9628 — often showing the last four digits 9628 on your screen — it is very likely Spring Oaks Capital SPV, LLC attempting to reach you about a debt they say you owe, most often credit card debt, charged-off consumer accounts.
Is 215-715-9628 a scam number?
Spring Oaks Capital SPV, LLC is a real, registered company, and 215-715-9628 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Spring Oaks Capital SPV, LLC, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 215-715-9628?
You are not legally required to answer 215-715-9628 or call Spring Oaks Capital SPV, LLC back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Spring Oaks Capital SPV, LLC must pause collection until it mails you proof of the debt.
Why is Spring Oaks Capital SPV, LLC calling me about credit card debt?
A call from 215-715-9628 usually means an original credit card debt went unpaid and was sold to Spring Oaks Capital SPV, LLC, which now owns the balance and dials this line to collect it. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Spring Oaks Capital SPV, LLC from calling 215-715-9628?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Spring Oaks Capital SPV, LLC to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 215-715-9628 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Spring Oaks Capital SPV, LLC is calling about?
Do not pay anything based on a call from 215-715-9628 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Spring Oaks Capital SPV, LLC
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