The California Association of Collectors represents collection agencies within California and accepts written complaints towards third party collection agencies that are CAC members.  To present a complaint, please completed this Complaint Form and forward it to our office either by fax (916) 444-7462 or to

We act as a facilitator between the consumer and the member agency to resolve rightful complaints.

  • Our staff contacts the member agency's senior management directly to receive a thorough and accurate response to the consumer's situation.
  • All complaints for a non-member agency will be referred to additional sources of information, such as: Consumer Credit Counseling, District Attorney, ACA International, or Consumer Financial Protection Bureau (CFPB)
  • The CAC staff monitors resolutions that have been returned to insure the closure of the complaint.

We can only process complaints regarding third-party collection agencies and those collection agencies that are CAC members.

CAC shall provide no legal advice. Any consumer with legal inquiries shall be recommended to seek alternative means of assistance.

Fair Debt Collection Practices Act (FDCPA)
Fair Credit Reporting Act (FCRA)

Ask Dr. Debt
ACA's International Education Foundation launched as a free, friendly and confidential resource for consumers with debt and credit questions. By clicking on the link below, you will be directed to an outside website not affiliated with CAC, and as such CAC has no control over the site's content.

Consumer Financial Protection Bureau
We suggest you check with the Consumer Financial Protection Bureau for agencies outside of California or for general questions.