What is the most common complaint against CAC Services, Inc.?

The most common issue consumers report about CAC Services, Inc. is "Attempts to collect debt not owed", specifically "Threatened to arrest you or take you to jail if you do not pay". This is based on 2 complaints filed with the CFPB.

Are complaints against CAC Services, Inc. increasing or decreasing?

Complaints against CAC Services, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is CAC Services, Inc.'s reputation grade?

CAC Services, Inc. has a reputation grade of A (score: 74.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does CAC Services, Inc. respond to consumer complaints?

CAC Services, Inc. has a 100% timely response rate to CFPB complaints.

In how many states does CAC Services, Inc. operate?

CAC Services, Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from Oregon (2 complaints).

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

CAC Services, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade A.

Compiled by PlainCollector

Attempts to collect debt not owed

1
Took or threatened to take negative or legal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record cac-services-inc CAC Services, Inc.

Grade A · 2 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #3968 · compose #898

VOL 2
GRADE A
12MO 0
STATES 1
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #3,968
COMPOSE #898

Volume peers

Nearest volume peer: 1 Auto Finance, Inc. (2 complaints)

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

CAC Services, Inc.'s 2 CFPB complaints sit next to 1 Auto Finance, 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

100.0% of CAC Services, Inc.'s CFPB filings land in Oregon

High volume does not equal a clean composite: CAC Services, Inc. is volume #3,968 but composite #898, while Oregon dominates the geography. Corpus placement method.

Dominant state: Oregon 100.0%; 2 of 2 filings · 1 states touched
Spike month: 2025-04 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,968 volume; #898 composite; Cleanest-composite ladder is 3,070 places better than volume

How does CAC Services, Inc. compare to its peers?

How does CAC Services, Inc. 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 Services, Inc. National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2025-04 2025-04

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1
Took or threatened to take negative or legal action	1

Where do complaints against CAC Services, Inc. come from?

CAC Services, Inc.'s own per-state count, not a national baseline.

Oregon

2

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CAC Services, Inc.: 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: 2.

4 peers

Know your rights before responding to CAC Services, Inc.: 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.