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 |
|---|---|---|---|
| Dec 12, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 12, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 9, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 6, 2025 | Debt collection | Electronic communicationsFrequent or repeated messages | Explained |
| Dec 4, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Dec 2, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 2, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 2, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 2, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 1, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 26, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 25, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 17, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 12, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 4, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 4, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 4, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 4, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Oct 29, 2025 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Oct 3, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 25, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Sep 12, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 3, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 31, 2025 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Aug 29, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Aug 20, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Aug 11, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Aug 8, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 17, 2025 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 17, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | 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
Talk about CAC Financial
No comments yet. Start the conversation - questions are welcome too.