Consumer Adjustment Company, Inc. (CACi) is a Missouri collection agency that works past-due accounts for healthcare, utility, financial services, apartment and retail clients. A letter or call from CACi usually means one of those businesses placed your unpaid bill with it.
- Type
- Collection agency
- Also known as
- Consumer Adjustment Company, Inc.; CACi; Consumer Adjustment Company Incorporated
- Headquarters
- St. Ann, MO
- Collects
- medical bills, utility bills, financial services accounts, apartment and multi-family housing balances, retail accounts
- Phone numbers it lists
- (877) 449-4411, (800) 777-7971
- Website
- cacionline.net
1,123 debt collection complaints were sent to the Consumer Financial Protection Bureau about Consumer Adjustment Company Incorporated from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Consumer Adjustment Company (CACi)?
Consumer Adjustment Company, Inc., which brands itself as CACi, is a debt collection and contact-center company based at 500 Northwest Plaza, Suite 300, in St. Ann, Missouri, a suburb of St. Louis. Its website says it has been investing in contact-center technology "since 1967." The company describes its work as customer care, staff supplementation and accounts receivable management, and its site lists an RMAi certification number and NMLS ID 977542.
CACi publishes two numbers: (877) 449-4411 for consumers who received a communication from it, and (800) 777-7971 for businesses. If a caller claims to be CACi, you can hang up and call the consumer line yourself to confirm the account is real.
We did not find a CFPB enforcement action against Consumer Adjustment Company.
Why CACi May Be Contacting You
CACi says it works "primarily in the healthcare, utility, financial services, multi-family housing, and retail industries." Its service list includes bad-debt collections, "legacy clean up projects" and litigation management. In practice, that means the most common reasons to hear from CACi are an unpaid hospital or doctor bill, a final utility bill after you moved, a balance an apartment community says you owe after move-out, or a store or financial account that went past due.
Because CACi also runs customer-care and early-stage programs for clients, not every contact is about a charged-off debt. Read the letter carefully: a debt collector's validation notice must say it is from a debt collector and name the creditor.
How to Check a Debt CACi Says You Owe
The kinds of bills CACi handles are the kinds most likely to contain errors: insurance that never got billed, a deposit that was not credited, or a utility account that stayed in your name after you moved out.
- Read the validation notice. Within five days of first contacting you, CACi must send the information required by 15 U.S.C. § 1692g and Regulation F, 12 C.F.R. § 1006.34, including the creditor's name, an itemization of the balance and the last day to dispute. See what a validation notice must contain.
- Dispute in writing before the deadline. A written dispute sent within the validation period requires CACi to pause collection until it mails you verification.
- Ask who the creditor is today. A hospital or landlord may still own the account, or it may have been sold. You are entitled to know who you would be paying.
- Match the figures. For medical bills, ask for an itemized statement and compare it with your insurer's explanation of benefits; Texas now requires an itemized bill before many medical debts go to collection (SB 490). For apartment balances, compare the charges with your lease and move-out inspection.
- Watch the age of the debt. Texas generally gives creditors four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use different periods.
What CACi Can and Can't Do
An agency that collects debts owed to its clients is a "debt collector" under 15 U.S.C. § 1692a(6), so the FDCPA and Regulation F apply to CACi's collection work. Some practical limits:
- It may not call more than seven times in seven days about the same debt, or within seven days after a phone conversation about it (12 C.F.R. § 1006.14(b)(2)). More on the call, text and email rules.
- It may not discuss your debt with your employer, family or neighbors, except to find your contact information (15 U.S.C. § 1692c(b)).
- Medical debt rules on credit reporting have changed; the national credit bureaus no longer list paid medical collections or those under $500 (details here).
- It may not add fees the original agreement or the law does not allow (15 U.S.C. § 1692f(1)).
- Even if a client obtains a Texas judgment on a consumer debt, wages cannot be garnished for it.
If you think a collector crossed the line, talk with our FDCPA attorneys.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Consumer Adjustment Company (CACi) or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- CACi: home page
- CACi: Who We Are
- CACi: What We Do
- CFPB enforcement actions search: Consumer Adjustment
- CFPB Consumer Complaint Database: Consumer Adjustment Company Incorporated, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Consumer Adjustment Company (CACi) has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.