CFPB Consumer Complaint Profile
CAC Financial Corp
Consumers have filed 328 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-05-15
- 328
- Total complaints
- 85
- Last 12 months
- 97.9%
- Timely response
- 33
- States affected
The verdict
Out of 3,848 financial companies in the CFPB database, CAC Financial Corp has accumulated 328 complaints, placing it #657 by volume. It answers 97.9% of complaints on time - above the 93% median for companies with 100+ complaints.
- #657
- of 3,848 companies by volume
- 97.9%
- answered on time
- Debt collection
- most-complained product
- 33
- states with complaints
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 5 |
| 2014 | 17 |
| 2015 | 7 |
| 2016 | 17 |
| 2017 | 14 |
| 2018 | 28 |
| 2019 | 26 |
| 2020 | 21 |
| 2021 | 19 |
| 2022 | 25 |
| 2023 | 15 |
| 2024 | 34 |
| 2025 | 80 |
| 2026 | 20 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for CAC Financial Corp
328 complaints against CAC Financial Corp appear in the CFPB record, including 85 from the trailing year. The 33 states and territories represented put this footprint in multi-regional territory. No product draws more complaints than "Debt collection," which sits at the top of the product breakdown. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
97.9% of CFPB-forwarded complaints against CAC Financial Corp get a reply inside the Bureau's 15-day window. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. The company's response was formally disputed in 16.7% of resolved cases, indicating how frequently the initial fix fell short. Of complaints that were resolved, 7.9% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does CAC Financial Corp have?
328 complaints have been filed against CAC Financial Corp with the CFPB overall - 85 of them in the past year.
Does CAC Financial Corp respond to complaints on time?
CAC Financial Corp has a 97.9% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for CAC Financial Corp?
The most complained-about product for CAC Financial Corp is "Debt collection." You can view the full product breakdown on this page.
What is the most common complaint issue with CAC Financial Corp?
Consumers most often cite "Attempts to collect debt not owed" when complaining about CAC Financial Corp; the full issue list with counts is above.
How do I file a complaint against CAC Financial Corp?
You can file a complaint against CAC Financial Corp directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about CAC Financial Corp?
CAC Financial Corp has drawn CFPB complaints from 33 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Similar Companies
Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.
Similar complaint volume (~328)
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.