Debt collector · complaint record
CAC Financial complaints
Filed under CAC Financial Corp
Consumers have filed 378 complaints about CAC Financial since 2013, 90 of them in the last 12 months (+34% on the year before). It answered 90% on time and closed 0% with relief for the customer - less often than a typical debt collector. The most common problem is took or threatened to take negative or legal action.
Poor response record. How it works
- Complaints on record
- 378
- Last 12 months
- 90
- Answered on time
- 90%
- Closed with relief
- 0%
- Last 30 days
- 2
- Rank
- #216 of 1,963
Since June 2013
+34% vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 24, 2026
Most complained-about debt collectors
CAC Financial complaints by month
The busiest month was December 2025 (16 complaints). Complaints in the last 12 months are up 34% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How CAC Financial answered last 12 months
- Closed with explanation90100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time0/4590% on time
- Relief for customers0/400% closed with relief
- Complaint trend7/15+34% vs last year
What CAC Financial complaints are about
Top CAC Financial problems last 12 months
Inside "Took or threatened to take negative or legal action"
- Threatened or suggested your credit would be damaged 41
- Threatened to sue you for very old debt 1
Where CAC Financial complaints come from
Most complaints: Oklahoma (120), Texas (107), Louisiana (23), Florida (17), Alabama (16).
CAC Financial compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | JDJ InvestmentsDebt collection | 40 | 92 | D |
| 2 | Consumer Collection ManagementDebt collection | 10 | 92 | F |
| 3 | Scott Fetzer Financial GroupDebt collection | 50 | 91 | C |
| 4 | AfniDebt collection | 55 | 90 | C |
| 5 | Professional FinanceDebt collection | 43 | 90 | D |
| 6 | CAC FinancialDebt collection | 7 | 90 | F |
| 7 | Johnson Mark P.CDebt collection | 10 | 89 | F |
| 8 | S & S RecoveryDebt collection | 45 | 89 | D |
Compare side by side: CAC Financial vs JDJ Investments · CAC Financial vs Consumer Collection Management · CAC Financial vs Scott Fetzer Financial Group · CAC Financial vs Afni
What people say about CAC Financial
All experiencesNo experiences with CAC Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest CAC Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 24, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 22, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 8, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 7, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 25, 2026 | Credit reporting | Improper use of your reportReport provided to employer without your written authorization | Explained |
| Sep 24, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Sep 23, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Sep 22, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Sep 22, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Sep 11, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 8, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Sep 1, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
Questions about CAC Financial
How many complaints does CAC Financial have?
CAC Financial has 378 complaints on record since June 2013, including 90 in the last 12 months and 2 in the last 30 days. That makes it number 497 of every company by complaints this year.
Does CAC Financial respond to complaints?
Yes. CAC Financial answered 90% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 7/100 (grade F).
What do people complain about most with CAC Financial?
The most common problems are took or threatened to take negative or legal action (42), attempts to collect debt not owed (98), false statements or representation (28).
Is CAC Financial legit?
CAC Financial is a real company with a public complaint record: consumers have complained about it 378 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is CAC Financial legit? for the signals, red flags and how to protect yourself.
Are complaints about CAC Financial going up or down?
Up. There were 90 complaints in the last 12 months against 67 in the 12 before (+34%). See every month.
How do I file a complaint against CAC Financial?
Complain to CAC Financial in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most CAC Financial complaints come from?
Most come from Oklahoma (120), Texas (107), Louisiana (23). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about CAC Financial
No comments yet. Start the conversation - questions are welcome too.