Caine & Weiner on Your Credit Report: Your Options Explained

If Caine & Weiner has appeared on your credit report or is calling you, this is one of the oldest and most complained-about debt collection companies in the country. Founded in 1930, Caine & Weiner has accumulated over 3,148 BBB complaints, 792 CFPB complaints, and 100+ federal lawsuits.

The debt could trace to virtually any industry. Despite the old framing that Caine & Weiner focuses on insurance, their website lists clients across advertising, automotive, banking, fintech, food, healthcare, insurance, manufacturing, retail, telecommunications, and dozens of other sectors.

This guide covers who they are, what their complaint record shows, and how to respond.

Who Is Caine & Weiner?

Caine & Weiner Company, Inc. is a debt collection agency founded in 1930 in Sherman Oaks, California by brothers Samuel and Morris Weiner. The company is BBB-accredited with a B rating and is led by President Greg A. Cohen. Caine & Weiner operates as both a third-party contingency collector and a debt buyer, purchasing charged-off accounts outright in some cases.

The company maintains a national network of collection centers and a Dallas, Texas office. They are not a law firm.

Why Caine & Weiner Is on Your Credit Report

Caine & Weiner serves clients across an exceptionally broad range of industries. Confirmed client categories from their own website and documented sources include:

• Retail: Kroger Accounting Services (KASH) is a confirmed client.
• Financial services: Banks, credit unions, fintech companies.
• Healthcare: Medical and dental accounts.
• Insurance: A historical specialty, though no longer their exclusive focus.
• Telecommunications: Phone, internet, and cable providers.
• Commercial B2B: Manufacturing, wholesale, distribution, and service accounts.
• Government: GSA and municipal accounts.

The breadth of their client base means identifying the original creditor is the first and most important verification step.

The Documentation Gap on Purchased Accounts

When Caine & Weiner purchases charged-off debt, the original account documentation may be incomplete. A SoloSuit case example describes a consumer sued by Caine & Weiner for an old credit card debt. The consumer’s Answer denied the claims, and Caine & Weiner was unable to produce the documentation necessary to prove their case. The lawsuit was dismissed.

When Caine & Weiner has purchased the debt rather than collecting on behalf of the original creditor, demanding a complete chain of ownership and the original signed contract is especially important. Their failure to produce these documents in court has resulted in case dismissals.

Their Own Time-Barred Debt Disclosure

Caine & Weiner’s payment portal includes a disclosure that mirrors what we’ve seen with AWA Collections: “The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. If your debt falls outside the applicable law we will not sue you for it or report payment or non-payment of it to a credit bureau.”

If your account falls outside your state’s statute of limitations, Caine & Weiner’s own policy acknowledges they will not sue or report. Check the original delinquency date carefully before engaging on any old account.

What Caine & Weiner Cannot Do Under Federal Law

The FDCPA and California’s Rosenthal Fair Debt Collection Practices Act apply to Caine & Weiner. Under these laws, they cannot:

• Continue calling after a written cease-contact request: A documented complaint pattern.
• Attempt to collect debts not owed: The single most common complaint category.
• Use false or misleading statements: Documented in CFPB complaints.
• Call at odd hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.
• Threaten legal action on time-barred debts: Their own disclosure acknowledges this limit.
• Pursue purchased debts without adequate documentation: Documented in court dismissals.

File complaints at consumerfinance.gov. California residents can also file with the California Department of Financial Protection and Innovation (DFPI).

Verify the Debt Before Paying Anything

Send a written debt validation request by certified mail to Caine & Weiner’s mailing address within 30 days of first contact. Ask for:

• The original creditor and account number.
• Whether Caine & Weiner owns the debt or is collecting on behalf of a client.
• If purchased, the complete chain of ownership from the original creditor to Caine & Weiner.
• The original signed contract or credit agreement.
• The date of original delinquency.

How to Check Your Credit Report for Caine & Weiner Errors

Pull your credit reports from all three bureaus at AnnualCreditReport.com. Is the balance correct? Is the original creditor accurately identified? Does the same debt appear under both the original creditor and Caine & Weiner?

Any inaccuracy is grounds for a dispute with each credit bureau. Given the volume of “debt not owed” complaints against Caine & Weiner, confirming the account belongs to you is an especially important first step.

How Long Can Caine & Weiner Legally Pursue the Debt?

California has a 4-year statute of limitations on most consumer debts. If you no longer live in California, the relevant state is typically where you currently reside. Caine & Weiner’s own portal discloses that time-barred debts will not be reported or sued upon.

Your Options for Resolving a Caine & Weiner Account

Once you have verified the debt, consider your options:

• Demand documentation if purchased: If Caine & Weiner bought the debt, request the complete chain of ownership and original contract before paying.
• Negotiate a settlement: Because Caine & Weiner purchases some debt at a discount, there is often room to negotiate. Get any agreement in writing before paying.
• Request a pay-for-delete: Ask whether they will remove the account in exchange for payment. Get it in writing first.
• Respond to any lawsuit: Filing an Answer forces Caine & Weiner to produce documentation, and cases have been dismissed when that documentation is incomplete.

How to Contact Caine & Weiner

Handle all communication in writing:

• Address: Caine & Weiner Company, Inc., 5805 Sepulveda Blvd, 4th Floor, Sherman Oaks, CA 91411
• Mailing address: PO Box 55848, Sherman Oaks, CA 91413
• Phone: (818) 902-4255
• Payment portal: connectcw.com

Bottom Line

Caine & Weiner is a 95-year-old national collector with one of the highest complaint volumes among agencies its size. Their most common complaint is attempting to collect debts not owed, and documented court cases show their purchased debt portfolios sometimes lack the documentation needed to win in court.

Verify the debt, demand complete ownership documentation if they purchased the account, and check the statute of limitations before paying anything.