Total CFPB complaints
278
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 278 complaints
CAC Financial Corp — Debt Collector Complaint Profile
CFPB complaint profile across 30 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CAC Financial Corp
- Attempts to collect debt not owed
Attempts to collect debt not owed
82 complaints
- Written notification about debt
Written notification about debt
60 complaints
- Took or threatened to take negative or legal action 30
Took or threatened to take negative or legal action
30 complaints
- Cont'd attempts collect debt not owed 26
Cont'd attempts collect debt not owed
26 complaints
- False statements or representation 18
False statements or representation
18 complaints
- Communication tactics 17
Communication tactics
17 complaints
D
Grade D · 58.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about CAC Financial Corp?
CAC Financial Corp has accumulated 278 total CFPB complaints across 30 states, with 66 filed in the most recent 12 months against 212 historical complaints before that window. The trailing-12-month volume represents 23.7% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 16% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 30 states, led by Oklahoma with 85 and Texas with 84, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 58.6/100 places CAC Financial Corp in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
66
23.7% of total history
Rising ↑
States active
30
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
16%
After company response
Reputation grade
D
58.6/100 composite
Response-quality profile
How CAC Financial Corp performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 32.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 53.6%
Share of US states + territories with at least one filed complaint against this collector.
How does CAC Financial Corp compare to its peers?
CAC Financial Corp National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-01 2026-03
Top Consumer Issues
Attempts to collect debt not owed82 (%)
Written notification about debt60 (%)
Took or threatened to take negative or legal action30 (%)
Cont'd attempts collect debt not owed26 (%)
False statements or representation18 (%)
Communication tactics17 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 56 |
| Written notification about debt | Didn't receive enough information to verify debt | 44 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 30 |
| Attempts to collect debt not owed | Debt was paid | 19 |
| Cont'd attempts collect debt not owed | Debt is not mine | 18 |
| False statements or representation | Attempted to collect wrong amount | 18 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 17 |
| Written notification about debt | Didn't receive notice of right to dispute | 16 |
| Cont'd attempts collect debt not owed | Debt was paid | 8 |
| Attempts to collect debt not owed | Debt was result of identity theft | 7 |
Where do complaints against CAC Financial Corp come from?
The states where consumers have filed the most CFPB complaints against CAC Financial Corp. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CAC Financial Corp
Across 30 states with at least one filing
- Oklahoma
Oklahoma
85 complaints
- Texas
Texas
84 complaints
- Louisiana 14
Louisiana
14 complaints
- Florida 13
Florida
13 complaints
- Alabama 11
Alabama
11 complaints
- Arkansas 10
Arkansas
10 complaints
- Tennessee 7
Tennessee
7 complaints
- Georgia 6
Georgia
6 complaints
Frequently Asked Questions
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 278 complaints filed with the CFPB.
Are complaints against CAC Financial Corp increasing or decreasing? ▼
Complaints against CAC Financial Corp are rising. The company received 66 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is CAC Financial Corp's reputation grade? ▼
CAC Financial Corp has a reputation grade of D (score: 58.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 30 states, with the most complaints from Oklahoma (85 complaints).
What can I do if CAC Financial Corp is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If CAC Financial Corp violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |