CFPB Consumer Complaint Profile

Constar Financial Services, LLC

Consumers have filed 136 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.

Data updated 2026-05-15

136
Total complaints
21
Last 12 months
91.9%
Timely response
36
States affected

The verdict

136 CFPB complaints put Constar Financial Services, LLC at #1155 out of 3,848 financial companies ranked by complaint volume. 91.9% of its complaints get an on-time reply, falling short of the 93% median for the 100+ complaint peer group.

#1155
of 3,848 companies by volume
91.9%
answered on time
Debt collection
most-complained product
36
states with complaints
Constar Financial Services, LLC timely response rate 91.9%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Debt collection - Auto debt 50
Debt collection - I do not know 31
Debt collection - Auto 13
Debt collection - Other (i.e. phone, health club, etc.) 8
Debt collection - Other debt 8
Credit reporting or other personal consumer reports - Credit reporting 5
Debt collection - Credit card debt 4
Vehicle loan or lease - Loan 4
Debt collection - Private student loan debt 3
Student loan - Private student loan 2

Top Issues

1.Attempts to collect debt not owed 37
2.Communication tactics 24
3.Written notification about debt 19
4.False statements or representation 13
5.Cont'd attempts collect debt not owed 11
6.Disclosure verification of debt 6
7.Threatened to contact someone or share information improperly 3
8.Improper use of your report 3
9.Taking/threatening an illegal action 3
10.Dealing with your lender or servicer 2

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)

Florida 17
Texas 15
New York 14
California 14
Colorado 7
Arizona 7
Pennsylvania 5
Georgia 5
Louisiana 4
South Carolina 4
North Carolina 4
Connecticut 3
Ohio 3
Missouri 3
Illinois 2

Company Responses

Closed with explanation 135
Closed 1

What the CFPB Complaint Record Shows for Constar Financial Services, LLC

Constar Financial Services, LLC carries 136 complaints in the CFPB's database, 21 of them filed within the past 12 months. Consumers spanning 36 states and territories have weighed in, giving this a multi-regional footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

Constar Financial Services, LLC's timely response rate stands at 91.9%, meaning that share of CFPB-forwarded complaints received a company 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. In 25.8% of resolved cases, the consumer formally disputed the company's response - a rough measure of how often the first resolution missed the mark. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.

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 (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

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 Constar Financial Services, LLC have?

Constar Financial Services, LLC has 136 total consumer complaints filed with the CFPB, with 21 filed in the last 12 months.

Does Constar Financial Services, LLC respond to complaints on time?

Constar Financial Services, LLC has a 91.9% timely response rate to CFPB complaints.

What product generates the most complaints for Constar Financial Services, LLC?

The most complained-about product for Constar Financial Services, LLC is "Debt collection." You can view the full product breakdown on this page.

What is the most common complaint issue with Constar Financial Services, LLC?

The most common issue reported by consumers about Constar Financial Services, LLC is "Attempts to collect debt not owed." All complaint issues are listed above with their counts.

How do I file a complaint against Constar Financial Services, LLC?

You can file a complaint against Constar Financial Services, 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 Constar Financial Services, LLC?

Constar Financial Services, LLC has drawn CFPB complaints from 36 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.