Debt collection
Carmichael & Frost debt collection complaints
Consumers have filed 58 complaints about Carmichael & Frost's debt collection, 15 in the last 12 months (-42%). Carmichael & Frost answered 93.3% on time and closed 0% with relief. See the whole Carmichael & Frost record.
Carmichael & Frost 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 | Carmichael & Frost | 15 | 93.3% | 0% |
Latest Carmichael & Frost debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 6, 2026 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| Oct 1, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Sep 17, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Sep 9, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jul 6, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| May 22, 2026 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Mar 9, 2026 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Feb 25, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 19, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Feb 6, 2026 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Jan 22, 2026 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Dec 27, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Dec 19, 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 actionSeized or attempted to seize your property | Explained |
| Nov 20, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Nov 11, 2025 | Debt collection | Electronic communicationsUsed obscene, profane, or other abusive language | Explained |
| Oct 15, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Oct 3, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Sep 30, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Sep 24, 2025 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Aug 27, 2025 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Aug 19, 2025 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jul 28, 2025 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Jul 21, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Jul 21, 2025 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| Jul 8, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 1, 2025 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jun 4, 2025 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| May 12, 2025 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | Explained |
| Apr 30, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | 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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