Debt collection -- Written notification about debt -- Complaint #18527003
Complaint Overview
Complaint ID: 18527003
Company: Cac Financial CORP
Product: Debt collection
Sub-Product: Medical debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Oklahoma
ZIP Code: 741XX
Date Received: 2025-11-12T12:00:00-05:00
Date Sent to Company: 2026-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been corresponding with CAC Financial Corp XXXX XXXX XXXX XXXX for several months, possibly over a year. I have repeatedly requested a settlement, which they have declined. Recently, they stated that my accounts were sent back to the original provider, XXXX XXXX XXXX XXXX. I called XXXX XXXX, and they reported that they had not received the accounts. When I called CAC back, they claimed I still had accounts with them. Before receiving the privacy-violating email, I spoke with a CAC representative by phone. They stated, It doesnt look like this has been reported to your credit, to which I replied that it would not appear because it is medical debt. The representative then said they would forward the matter to their law team. When I asked why, they said, Thats just the steps we take. CAC has frequently emailed me about individual accounts, despite my requests to receive updates about all accounts together. More seriously, on XX/XX/year>, they sent me an email stating there was an ongoing investigation regarding my accounts. As I read through it, I realized it was regarding someone else 's account. I tried to respond through their encrypted portal, but it would not allow me. I then emailed them from my personal email, including all the emails they had attached. This also included XXXX of the individuals whose information was disclosed. She contacted me to confirm the disclosure and requested that I forward the email. I could not do this because their encrypted portal only allows internal emails, so I took screenshots of the attachments showing her information. I have reported this privacy violation to the U.S. Department of Health and Human Services, Office for Civil Rights ( XXXX Complaint # XXXX ). I have also informed CAC of this violation and requested written confirmation that my balance of {$880.00} is waived due to multiple administrative errors and serious XXXX concerns and violations. They have not responded.
Frequently Asked Questions
What is Complaint #18527003 about?
Complaint #18527003 was filed against Cac Financial CORP regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-12T12:00:00-05:00.
How did Cac Financial CORP respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Cac Financial CORP?
Yes, visit the Cac Financial CORP company profile at readthecomplaint.com/company/cac-financial-corp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.