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

CFPB complaint data Grade D 297 complaints

CAC Financial Corp - Debt Collector Complaint Profile

CFPB complaint profile across 31 states, reputation grade D.

Complaints by issue type

What consumers report about CAC Financial Corp

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 #90

  • VOL 297
  • GRADE D
  • 12MO 73
  • STATES 31
  • TIMELY 99%
  • DISPUTE 16%
  • ISSUE Attempts to collect debt n…
  • RANK #399
  • COMPOSE #90

Volume peers

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

Lending Club CorpLending Club Corp295Complete Credit Solutions, Inc.Complete Credit Solutions, I…296CAC Financial Corp (this)CAC Financial Corp (this)297Grant Mercantile AgencyGrant Mercantile Agency299Oliphant Financial, LLCOliphant Financial, LLC299
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 →

How the 297 complaints break down

Every complaint issue type on record for CAC Financial Corp, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
55.7/100
CAC Financial Corp

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
297
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
16%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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
Corpus ranks
#399 volume
#90 composite
Among 5,420 volume-ranked / 536 scored collectors with 200+ complaints

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
73
57
268
Timely-response ratehigher is better
99%
98%
91%
Consumer-dispute ratelower is better
16%
30%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy CAC Financial Corp a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) CAC Financial Corp vs. 10 similar-volume peers, by response speed and dispute rate CAC Financial CorpComplete Credit Solutions, Inc.OLIPHANT FINANCIAL, LLCGrant Mercantile AgencyLending Club CorpFMA Alliance, Ltd.Glasser and Glasser, PLCNelson Cruz & Associates LLCInternational Computer Systems, Inc.Commercial Acceptance CompanyHUNTINGTON NATIONAL BANK, THE
Source: CFPB Consumer Complaint Database

CAC Financial Corp's complaint volume in context

CAC Financial Corp vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

297 Top 7% higher than 93% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). Below this entry. 160–180: 42 collectors (1%). Below this entry. 180–200: 55 collectors (1%). Below this entry. 200–220: 536 collectors (10%). This entry sits in this band. CAC Financial Corp 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
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.

Top states by complaints against CAC Financial Corp

Across 31 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.