CFPB · Single-product concentration
CAC Financial Corp
351 CFPB complaints · 84% in "Debt collection" · top issue Attempts to collect debt not owed.
CAC Financial Corp: 84% of 351 CFPB complaints sit in "Debt collection". Timely 97.2% · relief 7.4%. Allegations, not findings.
- Single-product concentration
- +760% filings 2013 to 2026
CFPB relief outcome brief
CCDB company cac-financial-corp
7.4% relief · 97.2% timely · 351 filings · Debt collection
Same-product relief peers
Nearest relief peer: Metro Collection Service Inc. (7.4% relief)
CAC Financial Corp closes 7.4% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 351 complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
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 |
Where CAC Financial Corp complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- OK
- 31.1% of this company's filings
CAC Financial Corp rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 43
- +760% vs 2013
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
CAC Financial Corp filings cluster in one product
CAC Financial Corp's 351 logged complaints stay concentrated: only 33 states show a filing. Only 33.6% of filings carry a written consumer narrative, so most of this record is coded categories rather than 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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for CAC Financial Corp: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 351.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.2%.
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.
Data sourced from official public datasets for CAC Financial Corp (97.2% timely; 7.4% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration