Debt collection
Garcadia Financial debt collection complaints
Consumers have filed 15 complaints about Garcadia Financial's debt collection. See the whole Garcadia Financial record.
Garcadia 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 | Garcadia Financial | 0 | - | - |
Latest Garcadia Financial debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Mar 9, 2022 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Explained |
| Mar 8, 2022 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
| Nov 26, 2021 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Nov 19, 2021 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 5, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 6, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Oct 6, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 24, 2021 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Jul 16, 2021 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Apr 14, 2021 | Debt collection | Written notification about debtDidn't receive notice of right to dispute | Fixed |
| Jan 6, 2021 | Debt collection | Took or threatened to take negative or legal actionSeized or attempted to seize your property | Explained |
| May 22, 2020 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 15, 2020 | Debt collection | Communication tacticsCalled before 8am or after 9pm | Explained |
| Sep 6, 2019 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Sep 21, 2016 | Debt collection | Communication tacticsFrequent or repeated calls | 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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