Debt collection
Carmel Financial debt collection complaints
Consumers have filed 6 complaints about Carmel Financial's debt collection, 1 in the last 12 months. Carmel Financial answered 0% on time and closed - with relief. See the whole Carmel Financial record.
Carmel 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 | Carmel Financial | 1 | 0% | - |
Latest Carmel Financial debt collection complaints
| 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 |
| Aug 24, 2021 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Nov 12, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 21, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 20, 2019 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| May 16, 2019 | 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.
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 Carmel Financial
No comments yet. Start the conversation - questions are welcome too.