Your caller ID shows a Pennsylvania number. A representative with a sharp tone demands payment. Maybe they already left a voicemail for your mother, your sister, or your spouse. Maybe a collection entry appeared on your credit report and nobody contacted you beforehand. If Commercial Acceptance Company has been disrupting your household, pressing you about a debt you cannot verify, or reaching out to relatives who have nothing to do with your account, federal law and Pennsylvania state law both have something to say about that.
Consumer Rights Law Firm PLLC has protected consumers from debt collector harassment since 2010. A+ BBB rated. Call (877) 700-5790 or visit our website for a free case evaluation. You never pay attorney fees out of pocket. When Commercial Acceptance Company violates the law, they cover our costs.
Quick Facts About Commercial Acceptance Company
| Detail | Information |
|---|---|
| Full Legal Name | Commercial Acceptance Company, Inc. (also stylized as Commercial Acceptance Co.) |
| Abbreviation | CAC |
| Headquarters | 2300 Gettysburg Road, Suite 102, Camp Hill, PA 17011-7303 |
| Mailing Address | Same as above (USPS mail accepted at this address) |
| Founded | 1993 (incorporated in Pennsylvania) |
| President | Carl Succa |
| Vice President | Dylan Succa |
| Main Toll-Free | (800) 690-3857 |
| Local Phone | (717) 901-4557 |
| Fax | (717) 901-5565 |
| Available through commercialacceptance.net contact form | |
| Website | commercialacceptance.net |
| BBB Status | Not BBB Accredited; B rating |
| BBB Complaints (3 years) | 82 total; 16 closed in last 12 months |
| CFPB Complaints | Nearly 200 since April 2015; hundreds as of January 2024 |
| Clients Served | Over 600 nationwide |
| Debt Types | Medical (hospitals, dentists, physicians, radiology), retail (credit cards, utility bills, installment loans, lease agreements, written contracts), bad check recovery, insurance follow-up |
| Services Offered | Traditional debt collection, pre-collection letters, address verification, strategic voice broadcasting, bad check recovery, credit bureau reporting, settlement programs, insurance follow-up |
Are the Calls from Commercial Acceptance Company Legal?
Something important to establish first: a collection agency having the legal right to pursue a debt is not the same thing as having the legal right to pursue it however they want. Commercial Acceptance Company is a fully licensed third-party debt collector, which means every call, text, voicemail, and letter they send must comply with the Fair Debt Collection Practices Act (FDCPA). Congress passed that law precisely to stop the conduct that CAC consumers describe in complaint after complaint: calling relatives, appearing on credit reports without prior written notice, refusing to provide itemized validation, and continuing contact after being told to stop.
These are the situations where CAC’s conduct may already cross into illegal territory:
In our practice, the pattern we encounter most consistently with Commercial Acceptance Company is third-party contact followed by credit bureau reporting as the first consumer-facing consequence. A family member gets a voicemail asking for the consumer’s whereabouts. Then a credit alert fires. Then the consumer calls CAC trying to understand what they owe and is told only an amount, with no documentation available. Each stage of that sequence raises distinct legal questions under the FDCPA and FCRA.
Who Is Commercial Acceptance Company and Why Are They Calling?
Commercial Acceptance Company is a Pennsylvania-based, third-party debt collection agency that has operated since 1993. The agency describes itself as “Pennsylvania’s premier consumer credit and collection agency” and serves over 600 clients nationwide. CAC is a family-operated business: Carl Succa serves as President and Dylan Succa as Vice President, and the agency’s address at 2300 Gettysburg Road in Camp Hill, Pennsylvania is confirmed on both their own website and the BBB profile.
CAC’s business divides into two primary divisions. The medical division collects on behalf of hospitals, physicians, dentists, radiology providers, and other healthcare professionals. The retail division covers a broader spectrum: credit card deficiencies, utility account balances, installment loan shortfalls, lease agreement disputes, bounced check recovery, and written contract defaults. Beyond traditional collection, CAC also offers pre-collection demand letters, strategic voice broadcasting, address verification, insurance follow-up, credit bureau reporting, and debt settlement programs to its clients.
When CAC contacts you, the account most likely originated with a medical provider who charged off the balance after it went unpaid, a utility company or landlord who placed the balance with a collection agency, or a creditor whose written contract or installment agreement went into default. CAC’s website also explicitly states it collects on bad checks, making small-dollar returned check accounts another common source of contact.
Critically, CAC’s own website contains a disclosure that consumers should understand before responding to any call: by using the website or providing information, a consumer authorizes CAC to contact them at any telephone number associated with the account. That language is a consent provision. You can revoke consent for automated calls at any time, verbally or in writing. Revoking that consent in writing creates a documented record that makes subsequent automated calls independently actionable under the Telephone Consumer Protection Act (TCPA).
What our clients describe when they first reach out to us about Commercial Acceptance Company is confusion about where the debt even came from. A hospital bill they thought insurance covered. A utility balance from a prior residence. A small medical charge that was never billed directly. In many cases our clients tell us they received no letter from CAC before the account appeared on their credit report. That specific sequence is one we look at closely, because the FDCPA requires written notice within five days of first contact and a consumer whose first contact was a credit bureau alert may have never received that notice at all.
Is Commercial Acceptance Company a Scam?
Commercial Acceptance Company is not a scam. It is a licensed, legitimate Pennsylvania debt collection agency incorporated in 1993 and in continuous operation for over three decades. The agency holds a verifiable physical address, publicly named leadership, a functional website with a FDCPA disclosure on its home page, and a BBB profile reflecting the agency’s response history on complaints.
That said, legitimacy does not guarantee lawful conduct on individual accounts. The BBB gives CAC a B rating and the company is not BBB Accredited. The CFPB’s public database has recorded nearly 200 complaints since April 2015, growing to hundreds as of early 2024, according to publicly available sources. The federal court record includes at least ten civil cases naming CAC as a defendant since 2005, with a verified 2023 filing in the Middle District of Pennsylvania.
Consumers who receive unexpected calls from unfamiliar numbers and suspect a scam can verify CAC’s identity by calling (800) 690-3857 directly, checking the BBB profile, or cross-referencing their Camp Hill, Pennsylvania address. Legitimate CAC contact comes from that address and those phone numbers. If someone claiming to be CAC demands gift cards, wire transfers, or cryptocurrency as payment methods, that call is not from Commercial Acceptance Company.
BBB Complaints: Specific Patterns in CAC’s Own Words
The Better Business Bureau profile for Commercial Acceptance Company shows 82 total complaints in the last three years and 16 closed in the last 12 months. The company is not BBB Accredited. The complaint breakdown shows 33 billing issues, 19 order issues, and 19 service or repair issues. The following narratives are verbatim from the live BBB complaints page, confirmed during research.
CAC confirmed they removed that phone number from their system. The complaint, combined with the BBB customer review describing a representative demanding a hospitalized husband be put on the phone and threatening “dire consequences,” paints a pattern of contact conduct that raises serious FDCPA §806 concerns around oppressive or abusive collection tactics.
Consumer Reviews Across Platforms
Consumer sentiment toward Commercial Acceptance Company is consistently negative across multiple review platforms.
At WalletHub, two verified reviews appear in the public database. One reviewer wrote:
“I settled my debt with this company. The transaction was from my lawyer to their lawyer. They took the money and then listed the difference between full debt and settlement amount as a new debt. When disputed they simply said it was accurate instead of figuring what happened. Took 7 months to get problem fixed.”
A second WalletHub reviewer wrote:
“I paid this account off in Oct and was told that they’d report it to my credit. Still shows as derogatory. I also haven’t received anything in the mail about having paid this off either.”
Source: Wallethub
At the BBB, customer reviews include the following documented experiences:
“Harass calls my home for my son and when warned that they were to cease and desist calling or I would take legal actions they called again today at 12:33 pm and refused to speak with my husband and became belligerent with him for refusing to put our son on the phone who is not employed and who has medical coverage under my husband.”
“THEY CALLED ME WHILE I WAS SITTING AT THE BEDSIDE OF MY 82 YEAR OLD HUSBAND WHO WAS IN THE HOSPITAL FOR THE LAST 3 WEEKS. HE DEMANDED THAT I PUT MY HUSBAND ON THE PHONE OR THERE WOULD BE DIRE CONSEQUENCES. WHEN I TOLD HIM THAT I WOULD NOT PUT MY HUSBAND ON THE PHONE, HE WAS INCREDIBLY RUDE TO ME AND SAID THAT HE WOULD HAVE TO GO AHEAD WITH HIS DEPOSITION WITHOUT MY COOPERATION.”
“I have never heard from this company in my life. This account was added on my credit as a collection. I have no idea who this company is or what this is for. I was never notified of any debt that was $1,200.”
Source: BBB customer reviews for Commercial Acceptance Company
You can file complaints at the CFPB, the FTC, and the BBB complaint page.
Federal Cases Involving Commercial Acceptance Company
Commercial Acceptance Company has been named as a defendant in federal consumer protection litigation. These are verified cases from public court records.
Pierce v. Commercial Acceptance Company
Plaintiff filed a federal complaint against Commercial Acceptance Company in the Middle District of Pennsylvania on February 27, 2023. Full docket and document access requires a PACER account at pacer.gov.
What this means for you: This is the most recent confirmed federal case against Commercial Acceptance Company. The FDCPA carries a one-year statute of limitations from the date of the violation. If CAC violated the law during the past twelve months, your window remains open.
Historical Federal Litigation Record
According to publicly available sources, Commercial Acceptance Company has been named as a defendant in at least ten federal civil cases since 2005, with the earliest recorded cases filed in the Middle District of Pennsylvania. Lemberglaw.com, citing PACER records, documented a 2011 case in the Middle District of Pennsylvania in which a court issued a memorandum reviewing a claim that a CAC representative had contacted the consumer’s daughter by telephone and left one or more voicemails. That specific allegation directly mirrors the third-party contact pattern appearing in current 2025 and 2026 BBB complaints.
Third-party contact for location purposes is one of the most litigated areas of FDCPA enforcement. FDCPA §804 permits only single, purpose-limited contact with third parties solely to locate the debtor, without disclosing the debt’s existence. A collector who discloses to a family member that a debt is owed, that letters have gone unanswered, or that the consumer has failed to respond may exceed the narrow location-information exception and violate §805(b) simultaneously.
Your Full Legal Rights When CAC Is Contacting You
- Fair Debt Collection Practices Act (FDCPA): Commercial Acceptance Company is fully covered as a third-party collector. Protections include the 7-in-7 calling cap under Regulation F (12 C.F.R. §1006.14), prohibition on calls before 8:00 a.m. or after 9:00 p.m. (§805(a)(1)), written debt validation within five days of first contact (§809(a)), halt of collection upon timely written dispute (§809(b)), cease-and-desist rights (§805(c)), prohibition on disclosure to third parties (§805(b)), and the ban on false or misleading representations (§807). Statutory damages up to $1,000 per case, actual damages, and attorney fees paid by the collector. One-year statute of limitations.
- Telephone Consumer Protection Act (TCPA): If CAC uses automated dialing systems or prerecorded voice messages to call your cell phone without prior express written consent, the TCPA applies. Each illegal automated call carries $500 to $1,500 in per-call statutory damages. Consent given to a provider can be revoked to CAC verbally or in writing at any time.
- Fair Credit Reporting Act (FCRA): If CAC has reported inaccurate, inconsistent, or unverifiable information to Equifax, Experian, or TransUnion, you have the right to dispute that information. Furnishers must conduct a reasonable reinvestigation within 30 days and must correct or delete inaccurate data. As the December 2025 BBB complaint demonstrates, inconsistent reporting of account status, balance, and delinquency dates across multiple bureaus may itself constitute inadequate reinvestigation.
- Pennsylvania Fair Credit Extension Uniformity Act (FCEUA), 73 P.S. §2270.1 et seq.: This Pennsylvania state law is the FDCPA’s direct counterpart and extends its protections in important ways. First, it applies to original creditors as well as third-party collectors, meaning CAC’s client who assigned the account may also bear liability. Second, any FDCPA violation by a collector is automatically a FCEUA violation, which is in turn an actionable violation of the Pennsylvania Unfair Trade Practices and Consumer Protection Law (UTPCPL). Third, the UTPCPL permits recovery of treble damages for knowing violations, meaning a court can multiply actual damages by three. Fourth, the FCEUA carries a two-year statute of limitations, giving Pennsylvania consumers twice the filing window available under the FDCPA alone. Fifth, the Pennsylvania Attorney General’s office actively enforces fair debt collection practices in the state.
- Pennsylvania Statute of Limitations on Debt: Pennsylvania’s statute of limitations on most consumer debts including medical bills, credit card accounts, and written contracts is four years from the date the account first became delinquent. Voluntary payment, a repayment agreement, or a written acknowledgment of the debt can restart this clock. If CAC is pursuing an account where the original default occurred more than four years ago, a court generally cannot enter a judgment on that debt. Threatening or filing suit on a time-barred account without disclosing its status may violate FDCPA §807.
One thing consumers dealing with Pennsylvania debt collectors often misunderstand is that the FCEUA effectively doubles their protection. Not only does it incorporate the FDCPA, but it creates a second, independent state law violation for each federal violation and the UTPCPL can multiply damages for knowing conduct. Pair that with the two-year state statute of limitations versus the FDCPA’s one year, and consumers in Pennsylvania have more time and more tools to address collection abuse than consumers in most other states.
Commercial Acceptance Company FDCPA and FCRA Violation Table
| Violation | Documented Pattern | Statute | Remedy |
|---|---|---|---|
| Reporting to credit bureaus before providing written validation notice | Collection entry as first consumer-facing contact, per multiple BBB complaints | FDCPA §809(a); FCRA §623(a)(1) | Up to $1,000 FDCPA; actual damages FCRA; attorney fees |
| Contacting family members and disclosing debt exists | Sister-in-law told letters had gone unanswered; relative told debt owed, per June 2026 BBB complaint | FDCPA §805(b) | Up to $1,000; actual damages |
| Contacting third parties when consumer’s number was already known | Consumer’s own number on file but relatives called first, per June 2026 BBB complaint | FDCPA §804 | Up to $1,000; actual damages |
| Calls before 8:00 a.m. or after 9:00 p.m. local time | Early morning contact documented in BBB records | FDCPA §805(a)(1) | Up to $1,000 per violation |
| More than 7 calls in any 7-day period | Repeated calling pattern documented across multiple BBB complaints | Reg. F, 12 C.F.R. §1006.14 | Presumption of harassment; up to $1,000 |
| Continuing calls after cease-and-desist warning | Called same day after written C&D demand, per BBB customer review | FDCPA §805(c) | Up to $1,000 per call after receipt |
| Threatening credit bureau reporting to pressure payment | “I will send it off and report it to my credit” after refusing to provide documentation | FDCPA §807 | Up to $1,000; actual damages |
| Oppressive or abusive conduct on collection calls | “Dire consequences” threatened; refusal to allow consumer to speak; representative hung up on consumer | FDCPA §806 | Up to $1,000; actual damages |
| Refusing to provide itemized validation upon request | Representative stated “they do not send statements and only provide the amount to collect” | FDCPA §809(b) | Up to $1,000; collection must halt |
| Inconsistent credit bureau reporting across bureaus | Same account reported as open, closed, and deleted simultaneously on three bureaus | FCRA §623(b)(1)(C) | Actual damages; statutory damages; attorney fees |
| Automated calls to cell phone without prior written consent | TCPA applicable if CAC used autodialer or prerecorded voice | TCPA, 47 U.S.C. §227 | $500 to $1,500 per call |
| FDCPA violation triggers FCEUA and UTPCPL | Every FDCPA violation by CAC automatically violates Pennsylvania state law | FCEUA, 73 P.S. §2270.1; UTPCPL | Treble damages; 2-year SOL; attorney fees |
What To Do Next: 5 Steps to Stop Commercial Acceptance Company
- Step 1: Document every contact in real time. Open a notes application or a dedicated notebook and record every CAC contact: the date, precise time, the number displayed on your caller ID, whether the call was live or automated, the name of any representative, and the substance of what was said. Preserve every voicemail — do not delete a single one. Screenshot them and email those screenshots to yourself. If relatives received calls, document those contacts too: when they occurred, what the caller said, and what number appeared on their caller ID. This documentation is your evidence base.
- Step 2: Pull all three credit reports immediately. Request free reports from Equifax, Experian, and TransUnion at annualcreditreport.com. Look for any entry associated with Commercial Acceptance Company or the abbreviation “COML ACCEPT.” Note the balance, the date opened, the date of last activity, and the status on each bureau. If the information differs across bureaus, or if a collection entry appears without your ever having received any prior written notice, those facts are directly relevant to FDCPA §809(a) and FCRA §623 claims.
- Step 3: Send a debt validation letter by certified mail within 30 days of first contact. Demand the following in writing from Commercial Acceptance Company: the name of the original creditor, the account number, the amount at the time the account was placed with CAC, an itemized breakdown of principal and any added fees or interest, the date of original delinquency, and documentation confirming CAC’s authority to collect. All collection activity must halt until written verification is provided. Send to: Commercial Acceptance Company, 2300 Gettysburg Road, Camp Hill, PA 17011. Certified mail only. Retain the tracking number and the green return receipt card.
- Step 4: Send a cease-and-desist letter if calls are excessive, come at prohibited hours, reach family members, or persist after prior requests. Under FDCPA §805(c), once CAC confirms receipt of your written stop-contact demand, their only permitted subsequent contact is a single communication acknowledging the cessation or notifying you of a specific legal action they intend to pursue. Every subsequent call beyond that is a separate, documentable FDCPA violation. Simultaneously revoke consent for automated calls to protect your TCPA rights. Certified mail to the same address. Keep all documentation.
- Step 5: File regulatory complaints and request a free legal evaluation. File with the FTC. Submit a CFPB complaint. If robocalls are part of the pattern, file separately with the FCC. Pennsylvania residents can also file with the Pennsylvania Attorney General. Or call Consumer Rights Law Firm PLLC at (877) 700-5790 or visit our website. When CAC violates federal or state law, they pay our attorney fees. Your legal evaluation costs nothing.
Consumer Rights Law Firm, PLLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Commercial Acceptance Company harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Transworld, Inc. call us at (877)700-5790 for immediate assistance or visit our website.
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