Starmark Financial LLC

CFPB Consumer Complaint Profile

222
Total Complaints
148
Last 12 Months
100%
Timely Response
32
States Affected
Starmark Financial LLC timely response rate 100.0%
Industry benchmark

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

Credit utilization context — why this matters

A primer on how revolving balance ratios shape credit-bureau scoring; useful when reading complaints about account closures and credit-line cuts.

Ideal (+0 to +10)0-10Healthy (~0 to -10)10-30Moderate (-10 to -30)30-50High (-30 to -50)50-75Very high (-45 to -70)75-100Maxed (-60 to -100+)100-12030%

FICO impact ranges synthesize myFICO + Experian + Equifax consumer-education materials. Individual results vary.

Complaints by Product

Debt collection — I do not know 109
Credit reporting or other personal consumer reports — Credit reporting 39
Debt collection — Payday loan debt 36
Debt collection — Other debt 23
Debt collection — Credit card debt 8
Debt collection — Medical debt 2
Credit reporting, credit repair services, or other personal consumer reports — Credit reporting 2
Debt collection — Telecommunications debt 1
Payday loan, title loan, personal loan, or advance loan — Installment loan 1
Payday loan, title loan, personal loan, or advance loan — Payday loan 1

Top Issues

1.Attempts to collect debt not owed 70
2.Communication tactics 27
3.Written notification about debt 27
4.Took or threatened to take negative or legal action 22
5.Incorrect information on your report 18
6.False statements or representation 16
7.Threatened to contact someone or share information improperly 13
8.Improper use of your report 12
9.Problem with a company's investigation into an existing problem 10
10.Electronic communications 4

Complaints by Year

Year Complaints
2022 6
2023 12
2024 41
2025 114
2026 49

Complaints by State (Top 15)

Texas 77
South Carolina 16
Tennessee 14
Georgia 14
Florida 13
Michigan 12
Missouri 10
North Carolina 7
Utah 5
Ohio 5
Mississippi 5
Alabama 5
Indiana 5
California 4
Kansas 4

Company Responses

Closed with explanation 222

What the CFPB Complaint Record Shows for Starmark Financial LLC

The CFPB Consumer Complaint Database has logged 222 complaints against Starmark Financial LLC overall, with 148 of those filed in the trailing 12 months. Reports have come from consumers in 32 states and territories, making this a multi-regional 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. Within that category, the most frequently cited specific issue is "Attempts to collect debt not owed" — a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.

Starmark Financial LLC's timely response rate stands at 100%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Of complaints that were resolved, 0% closed with some form of monetary or non-monetary relief to the consumer.

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 Starmark Financial LLC have?

Starmark Financial LLC has 222 total consumer complaints filed with the CFPB, with 148 filed in the last 12 months.

Does Starmark Financial LLC respond to complaints on time?

Starmark Financial LLC has a 100% timely response rate to CFPB complaints. This is considered excellent.

What product generates the most complaints for Starmark Financial LLC?

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

What is the most common complaint issue with Starmark Financial LLC?

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

How do I file a complaint against Starmark Financial LLC?

You can file a complaint against Starmark Financial 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 Starmark Financial LLC?

Consumers in 32 states and territories have filed complaints about Starmark Financial LLC with the CFPB.

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

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