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 |
|---|---|---|---|
| Apr 21, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 18, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 10, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Apr 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 27, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 23, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Mar 5, 2026 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Mar 4, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 4, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 20, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Feb 9, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Feb 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 2, 2026 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Jan 25, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jan 21, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 10, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Jan 9, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 6, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jan 6, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Jan 3, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Jan 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 30, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 26, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 23, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | 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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