CFPB Consumer Complaint Profile
MST Financial Services, L.L.C.
Consumers have filed 121 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
- 121
- Total complaints
- Mid-range
- 23
- Last 12 months
- 99.2%
- Timely response
- Above median
- 14
- States affected
The verdict
121 CFPB complaints put MST Financial Services, L.L.C. at #1225 out of 3,843 financial companies ranked by complaint volume. It posts a 99.2% on-time response rate, the 64th percentile among companies with 100+ complaints.
- #1225
- of 3,843 companies by volume
- 99.2%
- on time (64th pctile)
- Debt collection
- most-complained product
- 14
- 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.
MST Financial Services, L.L.C. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.2% Higher than most higher than 64% 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 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 3 in 2024 to 14 in 2025 (2024 → 2025).
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 |
|---|---|
| 2013 | 2 |
| 2014 | 7 |
| 2015 | 14 |
| 2016 | 17 |
| 2017 | 9 |
| 2018 | 6 |
| 2019 | 6 |
| 2020 | 8 |
| 2021 | 10 |
| 2022 | 9 |
| 2023 | 3 |
| 2024 | 3 |
| 2025 | 14 |
| 2026year in progress | 13 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for MST Financial Services, L.L.C.
The CFPB Consumer Complaint Database has logged 121 complaints against MST Financial Services, L.L.C. overall, with 23 of those filed in the trailing 12 months. Reports have come from consumers in 14 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Written notification about debt," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, MST Financial Services, L.L.C. posts a 99.2% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Resolved cases drew a formal consumer-dispute rate of 29.5% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 18.2%.
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 MST Financial Services, L.L.C. have?
121 complaints have been filed against MST Financial Services, L.L.C. with the CFPB overall - 23 of them in the past year.
Does MST Financial Services, L.L.C. respond to complaints on time?
CFPB complaints against MST Financial Services, L.L.C. draw a 99.2% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for MST Financial Services, L.L.C.?
"Debt collection" draws more CFPB complaints against MST Financial Services, L.L.C. than any other product - see the full breakdown above.
What is the most common complaint issue with MST Financial Services, L.L.C.?
"Written notification about debt" is the single most frequently cited issue in complaints against MST Financial Services, L.L.C. - see all issues and counts above.
How do I file a complaint against MST Financial Services, L.L.C.?
You can file a complaint against MST Financial Services, L.L.C. 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 MST Financial Services, L.L.C.?
Consumers in 14 states and territories have filed complaints about MST Financial Services, L.L.C. 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 MST Financial Services, L.L.C.: 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 (29.5% here).
Also handles Debt collection
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.