CFPB Consumer Complaint Profile
Lugano Capital, Inc. d/b/a Start Auto Finance
Consumers have filed 38 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 38
- Total complaints
- Mid-range
- 14
- Last 12 months
- 81.6%
- Timely response
- Bottom quartile
- 5
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Lugano Capital, Inc. d/b/a Start Auto Finance sits at #2089, with 38 complaints logged. On-time replies land at 81.6%, the 10th percentile for the 100+ complaint peer group.
- #2089
- of 3,843 companies by volume
- 81.6%
- on time (10th pctile)
- Credit reporting or …
- most-complained product
- 5
- 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.
Lugano Capital, Inc. d/b/a Start Auto Finance vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
81.6% Among the lowest higher than 10% 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
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2021 | 2 |
| 2022 | 1 |
| 2023 | 6 |
| 2024 | 15 |
| 2025 | 9 |
| 2026year in progress | 5 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Lugano Capital, Inc. d/b/a Start Auto Finance
The CFPB Consumer Complaint Database has logged 38 complaints against Lugano Capital, Inc. d/b/a Start Auto Finance overall, with 14 of those filed in the trailing 12 months. Reports have come from consumers in 5 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Lugano Capital, Inc. d/b/a Start Auto Finance's timely response rate stands at 81.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. 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 Lugano Capital, Inc. d/b/a Start Auto Finance have?
38 complaints have been filed against Lugano Capital, Inc. d/b/a Start Auto Finance with the CFPB overall - 14 of them in the past year.
Does Lugano Capital, Inc. d/b/a Start Auto Finance respond to complaints on time?
CFPB complaints against Lugano Capital, Inc. d/b/a Start Auto Finance draw a 81.6% timely-response rate inside the expected window.
What product generates the most complaints for Lugano Capital, Inc. d/b/a Start Auto Finance?
Among all products tied to Lugano Capital, Inc. d/b/a Start Auto Finance, "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Lugano Capital, Inc. d/b/a Start Auto Finance?
Consumers most often cite "Incorrect information on your report" when complaining about Lugano Capital, Inc. d/b/a Start Auto Finance; the full issue list with counts is above.
How do I file a complaint against Lugano Capital, Inc. d/b/a Start Auto Finance?
You can file a complaint against Lugano Capital, Inc. d/b/a Start Auto Finance 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 Lugano Capital, Inc. d/b/a Start Auto Finance?
Consumers in 5 states and territories have filed complaints about Lugano Capital, Inc. d/b/a Start Auto Finance 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.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Lugano Capital, Inc. d/b/a Start Auto Finance have?
38 complaints have been filed against Lugano Capital, Inc. d/b/a Start Auto Finance with the CFPB overall - 14 of them in the past year.
Does Lugano Capital, Inc. d/b/a Start Auto Finance respond to complaints on time?
CFPB complaints against Lugano Capital, Inc. d/b/a Start Auto Finance draw a 81.6% timely-response rate inside the expected window.
What product generates the most complaints for Lugano Capital, Inc. d/b/a Start Auto Finance?
Among all products tied to Lugano Capital, Inc. d/b/a Start Auto Finance, "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Lugano Capital, Inc. d/b/a Start Auto Finance?
Consumers most often cite "Incorrect information on your report" when complaining about Lugano Capital, Inc. d/b/a Start Auto Finance; the full issue list with counts is above.
How do I file a complaint against Lugano Capital, Inc. d/b/a Start Auto Finance?
You can file a complaint against Lugano Capital, Inc. d/b/a Start Auto Finance 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 Lugano Capital, Inc. d/b/a Start Auto Finance?
Consumers in 5 states and territories have filed complaints about Lugano Capital, Inc. d/b/a Start Auto Finance 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.