Debt collector · complaint record
Cardinal Accounts complaints
Filed under Cardinal Accounts, Inc.
Consumers have filed 9 complaints about Cardinal Accounts since 2015, none in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is disclosure verification of debt.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 9
- Last 12 months
- 0
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- -
Since July 2015
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Oct 10, 2025
Cardinal Accounts complaints by month
The busiest month was August 2022 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Cardinal Accounts answered all time
- Closed with explanation9100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
Top Cardinal Accounts problems
Inside "Disclosure verification of debt"
- Not given enough info to verify debt 2
- Right to dispute notice not received 1
Cardinal Accounts compared with other debt collectors
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Green SquareDebt collection | 10 | 25 | F |
| 2 | EMoneyUSADebt collection | 53 | 25 | C |
| 3 | Mullooly Jeffrey Rooney & FlynnDebt collection | 56 | 25 | C |
| 4 | Credit World ServicesDebt collection | 47 | 25 | D |
| 5 | Keynote ConsultingDebt collection | 10 | 25 | F |
| 6 | Augusta Collection AgencyDebt collection | 10 | 25 | F |
| 7 | Advance Bureau of CollectionsDebt collection | 19 | 25 | F |
| 8 | Cardinal AccountsDebt collection | - | 0 | - |
Compare side by side: Cardinal Accounts vs Green Square · Cardinal Accounts vs EMoneyUSA · Cardinal Accounts vs Mullooly Jeffrey Rooney & Flynn · Cardinal Accounts vs Credit World Services
What people say about Cardinal Accounts
All experiencesNo experiences with Cardinal Accounts yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Cardinal Accounts complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 10, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jun 16, 2025 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Aug 18, 2022 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Aug 11, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Feb 8, 2018 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 13, 2016 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | Explained |
| Aug 23, 2016 | Debt collection | Disclosure verification of debtNot given enough info to verify debt | Explained |
| Oct 9, 2015 | Debt collection | Taking/threatening an illegal actionSeized/Attempted to seize property | Explained |
| Jul 5, 2015 | Debt collection | Disclosure verification of debtRight to dispute notice not received | Explained |
Questions about Cardinal Accounts
How many complaints does Cardinal Accounts have?
Cardinal Accounts has 9 complaints on record since July 2015, including 0 in the last 12 months and 0 in the last 30 days.
Does Cardinal Accounts respond to complaints?
Yes. Cardinal Accounts answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix. The rest were mostly closed with an explanation only.
What do people complain about most with Cardinal Accounts?
The most common problems are disclosure verification of debt (3), written notification about debt (2), communication tactics (1).
Is Cardinal Accounts legit?
Cardinal Accounts is a real company with a public complaint record: consumers have complained about it 9 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Cardinal Accounts legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Cardinal Accounts?
Complain to Cardinal Accounts 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 Cardinal Accounts complaints come from?
Most come from Indiana (8), Georgia (1). 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
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