Debt collection
Model Finance debt collection complaints
Consumers have filed 14 complaints about Model Finance's debt collection, 5 in the last 12 months. Model Finance answered 0% on time and closed - with relief. See the whole Model Finance record.
Model 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 | Model Finance | 5 | 0% | - |
Latest Model Finance debt collection complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| May 11, 2026 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Apr 10, 2026 | Debt collection | Written notification about debtNotification didn't disclose it was an attempt to collect a debt | No timely reply |
| Dec 15, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | No timely reply |
| Dec 5, 2025 | Debt collection | Took or threatened to take negative or legal actionThreatened or suggested your credit would be damaged | No timely reply |
| Nov 25, 2025 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | No timely reply |
| May 10, 2025 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| May 18, 2021 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Aug 26, 2020 | 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 |
| Aug 21, 2020 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Mar 30, 2020 | Debt collection | Communication tacticsYou told them to stop contacting you, but they keep trying | Fixed |
| Jan 4, 2020 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Mar 15, 2019 | Debt collection | Attempts to collect debt not owedDebt was already discharged in bankruptcy and is no longer owed | Explained |
| Nov 13, 2017 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
| Sep 30, 2017 | Debt collection | Threatened to contact someone or share information improperlyContacted you after you asked them to stop | 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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