Constar Financial Services, LLC
Open-data reference.
Debt Collector, CFPB Complaint Profile Specializes in: Auto debt
Debt Collection Complaint Breakdown
Top Complaint Issues
Company Responses
Most consumers facing collection complaints carry utilization in the Fair-Poor band. FICO bands per myFICO + Experian guidance.
FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 7 |
| 2015 | 12 |
| 2016 | 10 |
| 2017 | 10 |
| 2018 | 7 |
| 2019 | 7 |
| 2020 | 14 |
| 2021 | 11 |
| 2022 | 14 |
| 2023 | 12 |
| 2024 | 7 |
| 2025 | 18 |
| 2026 | 6 |
Complaints by State (Top 15)
Other Complaint Types
Your Rights with Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive collection practices.
- Request written verification of any debt within 30 days of first contact
- Dispute a debt if you believe it is incorrect or does not belong to you
- Demand the collector stop contacting you (in writing)
- File a complaint with the CFPB at consumerfinance.gov/complaint
What the CFPB Record Shows for Constar Financial Services, LLC
The CFPB has logged 120 debt-collection complaints against Constar Financial Services, LLC, 88.2% of the 136 complaints filed against this entity overall. Consumers in 36 states and territories have filed reports, putting this collection operation in multi-state territory by complaint volume. The most common debt type behind these complaints is "Auto debt," which is the category consumers most often describe when they file a CFPB report about this collector. "Attempts to collect debt not owed" comes up most often as the specific issue cited - worth a look for anyone trying to spot this collector's recurring pain point.
The company's timely response rate is 91.9%, meaning that share of CFPB-forwarded complaints received a reply within the 15-day window the Bureau expects. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Of resolved cases, 0% closed with monetary or non-monetary relief to the consumer, which is a notably low relief ratio and worth weighing against the disputed-response percentage. In 25.8% of resolved cases, the consumer formally disputed the response - a rough measure of how often the first resolution missed the mark.
How to read these numbers, and what to do if you're disputing a charge
Complaint volume alone does not prove wrongdoing, larger collection portfolios naturally produce more complaints, but the combination of timely-response rate, relief ratio, and dispute rate above gives a reasonable empirical picture of how this collector handles consumer interactions. Anyone in active dispute with this company should keep written records, use certified mail for verification requests (see your FDCPA rights above), and consider filing a CFPB complaint if standard resolution channels stall.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers with an active dispute should consult a qualified consumer-protection attorney.
Frequently Asked Questions
How many debt collection complaints does Constar Financial Services, LLC have?
Constar Financial Services, LLC has 120 debt collection complaints filed with the CFPB, representing 88.2% of all complaints against this company.
Does Constar Financial Services, LLC respond to complaints on time?
Constar Financial Services, LLC has a 91.9% timely response rate.
Does Constar Financial Services, LLC provide relief to consumers?
Constar Financial Services, LLC closed 0% of resolved complaints with some form of consumer relief, monetary or non-monetary.
What type of debt does Constar Financial Services, LLC primarily collect?
Based on CFPB complaint records, Constar Financial Services, LLC's primary debt type is "Auto debt"; the complete breakdown is shown above.
What rights do I have against Constar Financial Services, LLC?
Under the Fair Debt Collection Practices Act (FDCPA), you can request written debt verification within 30 days, dispute debts you believe are incorrect, demand the collector stop contacting you in writing, and file a complaint with the CFPB at consumerfinance.gov/complaint.
In how many states is Constar Financial Services, LLC active?
CFPB data shows consumer complaints against Constar Financial Services, LLC from 36 states and territories.
Source: Consumer Financial Protection Bureau Consumer Complaint Database · Q1 2026 Complaints filed against firms, not individuals. Data through March 2026.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the CFPB Consumer Complaint Database. Consult a qualified professional before making decisions based on this data.
Read our methodology - how this data is sourced, computed, and verified.