Debt collection
Carolina Finance debt collection complaints
Consumers have filed 23 complaints about Carolina Finance's debt collection, 7 in the last 12 months. Carolina Finance answered 0% on time and closed - with relief. See the whole Carolina Finance record.
Carolina Finance 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 | Carolina Finance | 7 | 0% | - |
Latest Carolina Finance debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Aug 13, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Jul 22, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Apr 14, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | No timely reply |
| Apr 10, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Apr 8, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Mar 30, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | No timely reply |
| Feb 5, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Oct 22, 2024 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 12, 2023 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Sep 9, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | Fixed |
| Jul 11, 2022 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Explained |
| Jun 28, 2022 | Debt collection | Threatened to contact someone or share information improperlyContacted your employer | Explained |
| May 13, 2022 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Dec 21, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| Dec 8, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Fixed |
| May 20, 2020 | Debt collection | Attempts to collect debt not owedDebt was paid | Fixed |
| Mar 29, 2020 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Dec 6, 2018 | Debt collection | Took or threatened to take negative or legal actionCollected or attempted to collect exempt funds | Explained |
| Oct 1, 2018 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 3, 2018 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Jun 19, 2018 | Debt collection | False statements or representationAttempted to collect wrong amount | Fixed |
| Jul 13, 2017 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Oct 3, 2015 | Debt collection | Cont'd attempts collect debt not owedDebt is not mine | 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
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