Debt collection
Cottonwood Financial debt collection complaints
Consumers have filed 253 complaints about Cottonwood Financial's debt collection. See the whole Cottonwood Financial record.
Cottonwood 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 | Cottonwood Financial | 0 | - | - |
Latest Cottonwood Financial debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 15, 2024 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jul 6, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Jun 20, 2024 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Feb 27, 2024 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Jan 19, 2024 | Debt collection | Attempts to collect debt not owedDebt was paid | Explained |
| Jan 18, 2024 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Dec 8, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Nov 17, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Nov 15, 2023 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Oct 24, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Oct 16, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Oct 14, 2023 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Jul 28, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 19, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Jul 19, 2023 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 2, 2023 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Jun 29, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Jun 17, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| May 28, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| May 18, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Mar 19, 2023 | Debt collection | False statements or representationIndicated you were committing crime by not paying debt | Explained |
| Feb 20, 2023 | Debt collection | Took or threatened to take negative or legal actionThreatened to arrest you or take you to jail if you do not pay | Explained |
| Feb 5, 2023 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Jan 26, 2023 | Debt collection | Took or threatened to take negative or legal actionSued you without properly notifying you of lawsuit | Explained |
| Jan 18, 2023 | Debt collection | False statements or representationTold you not to respond to a lawsuit they filed against you | Explained |
| Dec 7, 2022 | Debt collection | Communication tacticsUsed obscene, profane, or other abusive language | Explained |
| Nov 29, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Nov 3, 2022 | Debt collection | Took or threatened to take negative or legal actionThreatened to sue you for very old debt | Explained |
| Aug 1, 2022 | Debt collection | False statements or representationImpersonated attorney, law enforcement, or government official | Explained |
| Jul 1, 2022 | Debt collection | Attempts to collect debt not owedDebt is not yours | 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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