Financial Credit Network: Who They Are and Your Rights

Type

Collection agency

Also known as

Financial Credit Network, Inc.; Financial Credit Network Inc; FCN; Cavale Collection Service, Inc.

Headquarters

Visalia, CA

Collects

retail and commercial accounts

Phone numbers it lists

(800) 540-9011

Website

fcnetwork.com

129 debt collection complaints were sent to the Consumer Financial Protection Bureau about Financial Credit Network Inc 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 Financial Credit Network?

Financial Credit Network, Inc. (FCN) traces its history to 1954, when, according to its website, Frank Cavale started Cavale Collection Service, Inc. out of his home in Visalia, California. The business took the Financial Credit Network name in 1987, was sold to Paul Flannery in 1995, and has been owned since 2003 by Alicia Sundstrom. Over the years it merged with Accelerated Receivables Group (2016) and brought Coastal Recovery Solutions (2019) and Acclaim Credit Technologies (2023) on board.

FCN's main office is at 2922 W. Main Street, Visalia, California 93291, which its website says is open to the public by appointment only; its mailing address is P.O. Box 3084, Visalia, CA 93278. It also has had an office on the Central Coast. The company's published phone number is (800) 540-9011. In a 2023 comment letter to California regulators, FCN described itself as "a retail & commercial collection agency" with 42 employees serving clients across the country. Its disclosures page lists California debt collector license 10874-99, a Nevada collection agency license and an Oregon NMLS ID.

We did not find a CFPB enforcement action against Financial Credit Network.

Why Financial Credit Network May Be Contacting You

FCN's own materials do not publish a client list, so the best guide is the letter itself, which must name the creditor. Given the company's long roots in California's Central Valley and Central Coast, many of its accounts come from businesses and providers in those regions, though it says it now serves clients nationwide. Its disclosures page also lists a Colorado office in Longmont, so FCN may contact consumers outside California too.

How to Check a Debt Financial Credit Network Says You Owe

A small regional agency may hold accounts that are several years old and originated with businesses you no longer deal with.

• Read the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It must name the creditor, show how the balance grew from a reference date, and say when your dispute window ends.
• Write to dispute inside that window if you do not recognize the business, were never billed, or already paid. Collection on the disputed amount must stop until FCN mails verification. Its disclosures page gives the P.O. Box above for records requests.
• Ask whether the original business still owns the account or whether it has been assigned, and request the original invoice or statement.
• Check for added charges. Interest or fees must be allowed by the original agreement or by law (collector fees).
• Check the age. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). California and other states set their own limits.

What Financial Credit Network Can and Can't Do

An agency collecting for clients is a "debt collector" under 15 U.S.C. § 1692a(6). Practical limits include:

• Calls are limited to reasonable hours (8 a.m. to 9 p.m. your local time) and presumptively to seven per week per debt (15 U.S.C. § 1692c(a)(1); 12 C.F.R. § 1006.14(b)(2)). See how often collectors can call.
• If you write asking it to stop contacting you, it must stop except for limited notices (15 U.S.C. § 1692c(c)).
• It may not report a debt to a credit bureau without first communicating with you about it (12 C.F.R. § 1006.30(a)).
• It may not use false or misleading statements about the debt's amount or legal status (15 U.S.C. § 1692e(2)).

Read more on our FDCPA attorneys page.

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 Financial Credit Network 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

• Financial Credit Network: home page
• Financial Credit Network: About
• Financial Credit Network: state disclosures
• Financial Credit Network comment letter to California DFPI on PRO 03-21 (company letterhead)
• CFPB enforcement actions search: Financial Credit Network
• CFPB Consumer Complaint Database: Financial Credit Network Inc, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Financial Credit Network has violated any law. Company details change; tell us if something here is out of date.