CAC Financial Corp
351 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
CAC Financial Corp complaint mix by product
- Debt collection 295 84.3% – 8% relief
- Credit reporting 33 9.4% – 0% relief
- Credit reporting, 16 4.6% – 0% relief
- Credit card 2 0.6% – 50% relief
- Credit reporting 2 0.6% – 50% relief
- Debt or 1 0.3% – 0% relief
- Vehicle loan 1 0.3% – 0% relief
How CAC Financial Corp's 351 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 295 |
| Credit reporting or other personal consumer reports | 33 |
| Credit reporting, credit repair services, or other personal consumer reports | 16 |
| Credit card | 2 |
| Credit reporting | 2 |
| Debt or credit management | 1 |
| Vehicle loan or lease | 1 |
| Payday loan, title loan, or personal loan | 1 |
Top States
| State | Complaints |
|---|---|
| OK | 109 |
| TX | 102 |
| LA | 22 |
| FL | 15 |
| AR | 14 |
| AL | 11 |
| TN | 10 |
| GA | 7 |
| CO | 5 |
| MO | 5 |
| KY | 4 |
| NM | 4 |
| NY | 4 |
| CA | 4 |
| AZ | 4 |
| IL | 3 |
| MS | 3 |
| NV | 3 |
| KS | 2 |
| IN | 2 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 92 |
| Written notification about debt | 63 |
| Took or threatened to take negative or legal action | 39 |
| Communication tactics | 32 |
| Incorrect information on your report | 31 |
| Cont'd attempts collect debt not owed | 28 |
| False statements or representation | 23 |
| Disclosure verification of debt | 11 |
| Improper use of your report | 9 |
| Problem with a company's investigation into an existing problem | 6 |
| Threatened to contact someone or share information improperly | 3 |
| Electronic communications | 2 |
| Improper contact or sharing of info | 2 |
| Incorrect information on credit report | 2 |
| Problem with a credit reporting company's investigation into an existing problem | 2 |
| Confusing or missing disclosures | 1 |
| Getting a loan or lease | 1 |
| Problem with a company's investigation into an existing issue | 1 |
| Delinquent account | 1 |
| Identity theft / Fraud / Embezzlement | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 5 | 100% |
| 2014 | 17 | 94.1% |
| 2015 | 7 | 100% |
| 2016 | 17 | 100% |
| 2017 | 14 | 100% |
| 2018 | 28 | 100% |
| 2019 | 26 | 100% |
| 2020 | 21 | 100% |
| 2021 | 19 | 100% |
| 2022 | 25 | 96% |
| 2023 | 15 | 100% |
| 2024 | 34 | 100% |
| 2025 | 80 | 96.3% |
| 2026 | 43 | 88.4% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About CAC Financial Corp
CAC Financial Corp's 351 logged complaints stay concentrated: only 33 states show a filing on record. Only 33.6% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2013 through 2026-06-02.
CAC Financial Corp answers 97.2% of complaints inside the CFPB's tracked window and closes 85.5% with a written explanation. 7.4% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Attempts to collect debt not owed."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about CAC Financial Corp.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does CAC Financial Corp have?
351, per the CFPB's public complaint count for this company (see the full breakdown above).
Does CAC Financial Corp respond to complaints on time?
97.2% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about CAC Financial Corp?
"Attempts to collect debt not owed", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.