Debt collector · complaint record
Carmel Financial complaints
Filed under CARMEL FINANCIAL CORPORATION, INC.
Consumers have filed 51 complaints about Carmel Financial since 2018, 1 of them in the last 12 months. It answered 0% on time and closed 0% with relief for the customer. The most common problem is written notification about debt.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 51
- Last 12 months
- 1
- Answered on time
- 0%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #1,510 of 1,963
Since September 2018
new vs the year before
Industry: 96.5%
Typical debt collector: 24%
Newest: Aug 31, 2026
Most complained-about debt collectors
Carmel Financial complaints by month
The busiest month was March 2021 (4 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Carmel Financial answered all time
- Closed with explanation5098%
- Untimely response12%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Carmel Financial complaints are about
Top Carmel Financial problems
Inside "Incorrect information on your report"
- Information belongs to someone else 15
- Personal information incorrect 1
- Information is missing that should be on the report 1
Where Carmel Financial complaints come from
Most complaints: Texas (9), Florida (8), California (6), Georgia (4), Pennsylvania (4).
Carmel Financial 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 | Carmel FinancialDebt collection | - | 1 | - |
Compare side by side: Carmel Financial vs Green Square · Carmel Financial vs EMoneyUSA · Carmel Financial vs Mullooly Jeffrey Rooney & Flynn · Carmel Financial vs Credit World Services
What people say about Carmel Financial
All experiencesNo experiences with Carmel Financial yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Carmel Financial complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 31, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | No timely reply |
| Mar 6, 2023 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Dec 17, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Aug 26, 2022 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| May 3, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Mar 30, 2022 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Mar 23, 2022 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Mar 22, 2022 | Credit reporting | Problem with a credit reporting company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Feb 22, 2022 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Feb 8, 2022 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jan 5, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jan 5, 2022 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
Questions about Carmel Financial
How many complaints does Carmel Financial have?
Carmel Financial has 51 complaints on record since September 2018, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Carmel Financial respond to complaints?
Yes. Carmel Financial answered 0% 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 Carmel Financial?
The most common problems are written notification about debt (1), incorrect information on your report (17), improper use of your report (17).
Is Carmel Financial legit?
Carmel Financial is a real company with a public complaint record: consumers have complained about it 51 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Carmel Financial legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Carmel Financial?
Complain to Carmel 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 Carmel Financial complaints come from?
Most come from Texas (9), Florida (8), California (6). 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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