Debt collection
Mechanics Bank debt collection complaints
Consumers have filed 86 complaints about Mechanics Bank's debt collection, 28 in the last 12 months. Mechanics Bank answered 100% on time and closed 0% with relief. See the whole Mechanics Bank record.
Mechanics Bank 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 | Mechanics Bank | 28 | 100% | 0% |
Latest Mechanics Bank debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 19, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Sep 25, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Sep 10, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jul 30, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jul 22, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 21, 2026 | Debt collection | Electronic communicationsYou told them to stop contacting you, but they keep trying | Explained |
| Jun 27, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 18, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 15, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jun 3, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| May 16, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| May 4, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Apr 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Apr 6, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 30, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 24, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 12, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Feb 7, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 29, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Jan 26, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 15, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 12, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Dec 5, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 25, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 24, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 21, 2025 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Nov 8, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | Explained |
| Nov 5, 2025 | Debt collection | False statements or representationAttempted to collect wrong amount | 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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