Debt collection
CAC Financial debt collection complaints
Consumers have filed 317 complaints about CAC Financial's debt collection, 73 in the last 12 months (+49%). CAC Financial answered 89% on time and closed 0% with relief. See the whole CAC Financial record.
CAC Financial against other debt collectors
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | CL Holdings | 25,525 | 99.9% | 51% |
| 2 | Encore Capital (Midland Credit) | 19,484 | 100% | 12% |
| 3 | Portfolio Recovery Associates | 17,942 | 99.9% | 63% |
| 4 | Resurgent Capital Services | 17,500 | 100% | 26% |
| 5 | TransUnion | 9,367 | 100% | 48% |
| 6 | Experian | 9,347 | 100% | 9% |
| 7 | CCS Financial Services | 8,704 | 99.9% | 2% |
| 8 | Equifax | 7,993 | 100% | 40% |
| 9 | Kriya Capital | 7,526 | 100% | 100% |
| 10 | I.C. System | 6,903 | 100% | 0% |
| 11 | National Credit Systems | 5,918 | 99.9% | 0% |
| 12 | Caine & Weiner | 5,539 | 99.9% | 39% |
| 13 | CAC Financial | 73 | 89% | 0% |
Latest CAC Financial debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| 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 24, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | 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 |
| Aug 30, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 27, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 9, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 24, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Jul 21, 2026 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 6, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 6, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 6, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jul 6, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 13, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 2, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jun 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 28, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 14, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| May 8, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| May 5, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Apr 24, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
Your rights with debt collectors
Under the Fair Debt Collection Practices Act a collector must send you a validation notice with the amount and the creditor, and if you dispute the debt in writing within 30 days it must stop collecting until it verifies it. Collectors cannot harass you, lie, threaten arrest, or call at unusual times, and you can tell them in writing to stop contacting you.
Scam warning: Fake collectors threaten arrest, demand payment by gift card, wire or crypto, and refuse to put anything in writing. Ask for the validation notice and check the collector's name and number independently before you pay anything.
General information, not legal advice; rules vary by state. Plain-English guides
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
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