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Data / Consumer complaints / CAC Financial Corp

CAC Financial Corp: 184 CFPB consumer complaints in the last 3 years

CAC Financial Corp drew 184 consumer complaints in the CFPB database in the three years to November 6, 2026, and 378 since 2013. The largest group, 144, was about debt collection, and the most common issue was “Attempts to collect debt not owed” with 47. The company responded on time to 94.6% of the complaints, and 0.0% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

Watch this company's complaintsGet every debt collection companyGet debt collection in Oklahoma
  • 184Complaints, last 3 years
  • 378Complaints, all years
  • 94.6%Responded on time
  • 0.0%Closed with relief
  • 4Products
  • Oct 24, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 670
202580
202434
202315
202225
202119
202021
201926
201828
201714
201617
20157
201417
20135

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Debt collection14478.3%
Credit reporting or other personal consumer reports3820.7%
Debt or credit management10.5%
Vehicle loan or lease10.5%

Issues

IssueComplaintsShare
Attempts to collect debt not owed4725.5%
Took or threatened to take negative or legal action3418.5%
Written notification about debt2614.1%
Incorrect information on your report2111.4%
False statements or representation189.8%
Communication tactics147.6%
Improper use of your report105.4%
Problem with a company's investigation into an existing problem63.3%
Electronic communications31.6%
Threatened to contact someone or share information improperly21.1%
Confusing or missing disclosures10.5%
Getting a loan or lease10.5%
Problem with a company's investigation into an existing issue10.5%

How the company responded

Company responseComplaintsShare
Closed with explanation184100%

States

StateComplaintsShare
Oklahoma7641.3%
Texas4725.5%
Louisiana1910.3%
Arkansas94.9%
Alabama73.8%
Georgia42.2%
Tennessee42.2%
Mississippi31.6%
Florida21.1%
Indiana21.1%
Kansas21.1%
Connecticut10.5%
Maryland10.5%
North Carolina10.5%
New Jersey10.5%
New Mexico10.5%
New York10.5%
Pennsylvania10.5%
Washington10.5%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
October 7, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 25, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 24, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 23, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 8, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 30, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 27, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
August 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 9, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
July 24, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
July 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 13, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
July 7, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
July 6, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 6, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 6, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
July 6, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 18, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
June 13, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 2, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
June 1, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 28, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 28, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 20, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
May 14, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
May 8, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
May 5, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
April 27, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing issueClosed with explanationconsumerfinance.gov
April 24, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 21, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 18, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 10, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
April 10, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 7, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 3, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 29, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
March 27, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 23, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 9, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
March 5, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.