CFPB Consumer Complaint Profile
Coastal Credit, LLC
What 124 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 124
- Total complaints
- Mid-range
- 0
- Last 12 months
- 83.1%
- Timely response
- Bottom quartile
- 23
- States affected
The verdict
Coastal Credit, LLC ranks #1211 of 3,843 financial companies by CFPB complaint volume, with 124 complaints on record. On-time replies land at 83.1%, the 11th percentile for the 100+ complaint peer group.
- #1211
- of 3,843 companies by volume
- 83.1%
- on time (11th pctile)
- Credit reporting, cr…
- most-complained product
- 23
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Coastal Credit, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
83.1% Among the lowest higher than 11% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2020 to 2021 complete years
- Annual CFPB complaint volume moved from 15 in 2020 to 4 in 2021 (2020 → 2021).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 7 |
| 2015 | 12 |
| 2016 | 17 |
| 2017 | 19 |
| 2018 | 29 |
| 2019 | 21 |
| 2020 | 15 |
| 2021 | 4 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Coastal Credit, LLC
124 complaints against Coastal Credit, LLC appear in the CFPB record, including 0 from the trailing year. The 23 states and territories represented put this footprint in multi-regional territory. The single largest complaint category is "Credit reporting, credit repair services, or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Managing the loan or lease," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Coastal Credit, LLC draw a 83.1% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. The company's response carried a 20.9% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 0%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Coastal Credit, LLC have?
Coastal Credit, LLC has 124 total consumer complaints filed with the CFPB, with 0 filed in the last 12 months.
Does Coastal Credit, LLC respond to complaints on time?
Coastal Credit, LLC's CFPB timely-response rate is 83.1%.
What product generates the most complaints for Coastal Credit, LLC?
The most complained-about product for Coastal Credit, LLC is "Credit reporting, credit repair services, or other personal consumer reports." You can view the full product breakdown on this page.
What is the most common complaint issue with Coastal Credit, LLC?
The most common issue reported by consumers about Coastal Credit, LLC is "Managing the loan or lease." All complaint issues are listed above with their counts.
How do I file a complaint against Coastal Credit, LLC?
You can file a complaint against Coastal Credit, LLC directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Coastal Credit, LLC?
Consumers in 23 states and territories have filed complaints about Coastal Credit, LLC with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Coastal Credit, LLC: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (20.9% here).
Also handles Credit reporting, credit repair services, or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.