What is the most common complaint against CAC Financial Corp?

The most common issue consumers report about CAC Financial Corp is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 297 complaints filed with the CFPB.

Are complaints against CAC Financial Corp increasing or decreasing?

Complaints against CAC Financial Corp have been stable. The company received 73 complaints in the last 12 months.

What is CAC Financial Corp's reputation grade?

CAC Financial Corp has a reputation grade of D (score: 55.7/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does CAC Financial Corp respond to consumer complaints?

CAC Financial Corp has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 16% of cases.

In how many states does CAC Financial Corp operate?

CAC Financial Corp has received CFPB complaints from consumers in 31 states, with the most complaints from Oklahoma (96 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CAC Financial Corp - Debt Collector Complaint Profile

CFPB complaint profile across 31 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

92
Written notification about debt

63
Took or threatened to take negative or legal action

40
Communication tactics

32
Cont'd attempts collect debt not owed

28
False statements or representation

24

Data updated September 2026

CFPB complaint disposition

CCDB record cac-financial-corp CAC Financial Corp

Grade D · 297 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed · vol #399 · compose #3212

VOL 297
GRADE D
12MO 73
STATES 31
TIMELY 99%
DISPUTE 16%
ISSUE Attempts to collect debt n…
RANK #399
COMPOSE #3,212

Volume peers

Nearest volume peer: Complete Credit Solutions, Inc. (296 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

CAC Financial Corp's 297 CFPB complaints sit next to Complete Credit Solutions, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

32.3% of CAC Financial Corp's CFPB filings land in Oklahoma

High volume does not equal a clean composite: CAC Financial Corp is volume #399 but composite #3,212, while Oklahoma dominates the geography. Corpus placement method.

Dominant state: Oklahoma 32.3%; 96 of 297 filings · 31 states touched
Seasonal peak: 2023-12 9.8%; 8–15% band · 5 filings
Divergent corpus ranks: #399 volume; #3,212 composite; Cleanest-composite ladder is 2,813 places worse than volume

How does CAC Financial Corp compare to its peers?

How does CAC Financial Corp compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

CAC Financial Corp National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

98%

91%

Consumer-dispute ratelower is better

16%

30%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2023-10 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	92
Written notification about debt	63
Took or threatened to take negative or legal action	40
Communication tactics	32
Cont'd attempts collect debt not owed	28
False statements or representation	24
Disclosure verification of debt	11
Threatened to contact someone or share information improperly	3
Improper contact or sharing of info	2
Electronic communications	2

Where do complaints against CAC Financial Corp come from?

CAC Financial Corp's own per-state count, not a national baseline.

Oklahoma

96
Texas

86
Louisiana

17
Florida

13
Arkansas

12
Alabama

11
Tennessee

7
Georgia

6

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CAC Financial Corp: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 297.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.92086330935251%.

4 peers

Know your rights before responding to CAC Financial Corp: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.